Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 3,105 |
| Cost of funding earning assets | 1.1619% | 2,903 |
| Net interest margin | 3.3345% | 2,549 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.2635% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3834% | 1,245 |
| Return on assets (ROA) | 1.3759% | 1,234 |
| Pretax return on assets | 1.4248% | 1,585 |
| Return on Equity (ROE) | 17.3000% | 913 |
| Retained earnings to average equity (ytd only) | 11.6953% | 674 |
| Net charge-offs to loans | -0.0328% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.7490% | 3,109 |
| Assets per employee ($millions) | 7.5719% | 1,675 |
| Cash dividends to net income (ytd only)* | 32.3783% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,260 |
| Loan loss allowance to noncurrent loans | 335.0265% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 1,960 |
| Noncurrent loans to loans | 0.3603% | 1,906 |
| Net loans and leases to total assets | 63.3800% | 2,526 |
| Net loans and leases to deposits | 70.2744% | 2,875 |
| Net loans and leases to core deposits | 75.9989% | 2,979 |
| Total domestic deposits to total assets | 90.1900% | 712 |
| Equity capital to assets | 8.6088% | 2,965 |
| Core capital (leverage) ratio | 9.6627% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1921% | 1,479 |
| Memoranda: | ||
| Average total assets | $388,121,400 | 2,051 |
| Average earning assets | $363,356,200 | 2,028 |
| Average equity | $30,875,600 | 2,229 |
| Average total loans | $234,438,400 | 2,084 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 3,136 |
| Cost of funding earning assets | 1.0461% | 2,902 |
| Net interest margin | 3.3339% | 2,610 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.2437% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4050% | 1,308 |
| Return on assets (ROA) | 1.3948% | 1,315 |
| Pretax return on assets | 1.4432% | 1,687 |
| Return on Equity (ROE) | 17.9300% | 958 |
| Retained earnings to average equity (ytd only) | 10.1895% | 1,349 |
| Net charge-offs to loans | -0.0463% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.1769% | 3,069 |
| Assets per employee ($millions) | 7.2172% | 1,813 |
| Cash dividends to net income (ytd only)* | 43.1603% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 1,675 |
| Loan loss allowance to noncurrent loans | 174.8344% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 1,189 |
| Noncurrent loans to loans | 0.7692% | 1,081 |
| Net loans and leases to total assets | 59.6300% | 2,884 |
| Net loans and leases to deposits | 64.9984% | 3,201 |
| Net loans and leases to core deposits | 69.7979% | 3,217 |
| Total domestic deposits to total assets | 91.7500% | 505 |
| Equity capital to assets | 7.4213% | 3,400 |
| Core capital (leverage) ratio | 9.6328% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2405% | 1,258 |
| Memoranda: | ||
| Average total assets | $382,930,500 | 2,063 |
| Average earning assets | $358,405,000 | 2,040 |
| Average equity | $29,794,500 | 2,261 |
| Average total loans | $227,469,500 | 2,115 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 3,261 |
| Cost of funding earning assets | 0.9198% | 2,863 |
| Net interest margin | 3.2976% | 2,753 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.2340% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3887% | 1,363 |
| Return on assets (ROA) | 1.3734% | 1,374 |
| Pretax return on assets | 1.4196% | 1,765 |
| Return on Equity (ROE) | 17.3800% | 1,036 |
| Retained earnings to average equity (ytd only) | 8.7552% | 1,747 |
| Net charge-offs to loans | -0.0463% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.3499% | 3,037 |
| Assets per employee ($millions) | 7.1540% | 1,813 |
| Cash dividends to net income (ytd only)* | 49.6174% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,621 |
| Loan loss allowance to noncurrent loans | 301.4395% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 1,758 |
| Noncurrent loans to loans | 0.4565% | 1,572 |
| Net loans and leases to total assets | 58.2700% | 2,938 |
| Net loans and leases to deposits | 63.7761% | 3,203 |
| Net loans and leases to core deposits | 67.4474% | 3,267 |
| Total domestic deposits to total assets | 91.3600% | 538 |
| Equity capital to assets | 7.8436% | 3,319 |
| Core capital (leverage) ratio | 9.5637% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2507% | 1,271 |
| Memoranda: | ||
| Average total assets | $380,664,333 | 2,076 |
| Average earning assets | $356,378,667 | 2,061 |
| Average equity | $30,085,000 | 2,262 |
| Average total loans | $224,767,000 | 2,125 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 3,307 |
| Cost of funding earning assets | 0.8171% | 2,671 |
| Net interest margin | 3.2573% | 2,973 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.2168% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4130% | 1,372 |
| Return on assets (ROA) | 1.3974% | 1,393 |
| Pretax return on assets | 1.4239% | 1,822 |
| Return on Equity (ROE) | 17.6100% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.8491% | 1,298 |
| Net charge-offs to loans | -0.1040% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0909% | 3,064 |
| Assets per employee ($millions) | 6.8058% | 2,117 |
| Cash dividends to net income (ytd only)* | 32.7273% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,620 |
| Loan loss allowance to noncurrent loans | 446.3830% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,088 |
| Noncurrent loans to loans | 0.3139% | 2,022 |
| Net loans and leases to total assets | 59.1700% | 2,755 |
| Net loans and leases to deposits | 65.0006% | 3,013 |
| Net loans and leases to core deposits | 68.0680% | 3,097 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 8.1518% | 3,139 |
| Core capital (leverage) ratio | 9.6266% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3325% | 1,305 |
| Memoranda: | ||
| Average total assets | $377,838,500 | 2,112 |
| Average earning assets | $353,917,500 | 2,102 |
| Average equity | $29,977,000 | 2,294 |
| Average total loans | $223,031,500 | 2,149 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 2,834 |
| Cost of funding earning assets | 0.3497% | 2,475 |
| Net interest margin | 3.2388% | 2,741 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.3581% | 2,555 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 1.3621% | 1,238 |
| Return on assets (ROA) | 1.3645% | 1,186 |
| Pretax return on assets | 1.4373% | 1,669 |
| Return on Equity (ROE) | 15.6600% | 1,111 |
| Retained earnings to average equity (ytd only) | 10.0106% | 1,146 |
| Net charge-offs to loans | -0.1152% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.7465% | 2,531 |
| Assets per employee ($millions) | 6.8099% | 2,109 |
| Cash dividends to net income (ytd only)* | 36.0876% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,523 |
| Loan loss allowance to noncurrent loans | 746.1353% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,766 |
| Noncurrent loans to loans | 0.1870% | 2,553 |
| Net loans and leases to total assets | 57.2600% | 2,890 |
| Net loans and leases to deposits | 62.6116% | 3,145 |
| Net loans and leases to core deposits | 63.2004% | 3,318 |
| Total domestic deposits to total assets | 91.4500% | 793 |
| Equity capital to assets | 7.7198% | 3,239 |
| Core capital (leverage) ratio | 9.4397% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7611% | 1,415 |
| Memoranda: | ||
| Average total assets | $354,771,000 | 2,206 |
| Average earning assets | $335,151,600 | 2,176 |
| Average equity | $30,907,200 | 2,298 |
| Average total loans | $199,738,400 | 2,234 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 2,785 |
| Cost of funding earning assets | 0.3147% | 2,020 |
| Net interest margin | 3.1324% | 2,822 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.3309% | 2,539 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 1.2206% | 1,624 |
| Return on assets (ROA) | 1.2206% | 1,599 |
| Pretax return on assets | 1.3550% | 1,867 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.3523% | 2,616 |
| Net charge-offs to loans | -0.1482% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3589% | 2,495 |
| Assets per employee ($millions) | 6.4844% | 2,334 |
| Cash dividends to net income (ytd only)* | 53.2476% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 930 |
| Loan loss allowance to noncurrent loans | 2,341.5493% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 3,521 |
| Noncurrent loans to loans | 0.0712% | 3,366 |
| Net loans and leases to total assets | 54.0200% | 3,100 |
| Net loans and leases to deposits | 58.6256% | 3,301 |
| Net loans and leases to core deposits | 59.1908% | 3,440 |
| Total domestic deposits to total assets | 92.1400% | 837 |
| Equity capital to assets | 6.9248% | 3,556 |
| Core capital (leverage) ratio | 8.8516% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4816% | 1,288 |
| Memoranda: | ||
| Average total assets | $348,124,750 | 2,243 |
| Average earning assets | $329,668,500 | 2,205 |
| Average equity | $31,274,000 | 2,313 |
| Average total loans | $194,313,750 | 2,269 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 3,152 |
| Cost of funding earning assets | 0.3099% | 1,626 |
| Net interest margin | 2.8544% | 3,277 |
| Noninterest income to average assets | 0.6091% | 1,698 |
| Noninterest expense to average assets | 2.2149% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9466% | 2,376 |
| Return on assets (ROA) | 0.9466% | 2,349 |
| Pretax return on assets | 1.1057% | 2,388 |
| Return on Equity (ROE) | 9.7489% | 2,425 |
| Retained earnings to average equity (ytd only) | 2.0350% | 3,740 |
| Net charge-offs to loans | -0.3489% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7018% | 2,413 |
| Assets per employee ($millions) | 7.1009% | 1,879 |
| Cash dividends to net income (ytd only)* | 79.1256% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 754 |
| Loan loss allowance to noncurrent loans | 184.7500% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 1,092 |
| Noncurrent loans to loans | 0.9966% | 837 |
| Net loans and leases to total assets | 51.3705% | 3,227 |
| Net loans and leases to deposits | 55.9200% | 3,382 |
| Net loans and leases to core deposits | 56.4311% | 3,527 |
| Total domestic deposits to total assets | 91.8641% | 897 |
| Equity capital to assets | 7.2421% | 3,635 |
| Core capital (leverage) ratio | 9.7666% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8056% | 1,482 |
| Memoranda: | ||
| Average total assets | $343,124,000 | 2,277 |
| Average earning assets | $325,948,000 | 2,246 |
| Average equity | $33,316,667 | 2,260 |
| Average total loans | $192,590,333 | 2,282 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1449% | 2,845 |
| Cost of funding earning assets | 0.3393% | 1,292 |
| Net interest margin | 2.8056% | 3,120 |
| Noninterest income to average assets | 0.6329% | 1,560 |
| Noninterest expense to average assets | 2.3346% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7295% | 2,940 |
| Return on assets (ROA) | 0.7295% | 2,931 |
| Pretax return on assets | 0.9710% | 2,536 |
| Return on Equity (ROE) | 6.5281% | 3,188 |
| Retained earnings to average equity (ytd only) | 1.4076% | 3,720 |
| Net charge-offs to loans | 0.0849% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,286 |
| Efficiency ratio | 70.6257% | 2,140 |
| Assets per employee ($millions) | 6.9072% | 2,056 |
| Cash dividends to net income (ytd only)* | 78.4380% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 903 |
| Loan loss allowance to noncurrent loans | 133.4540% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 726 |
| Noncurrent loans to loans | 1.3373% | 650 |
| Net loans and leases to total assets | 56.2632% | 2,507 |
| Net loans and leases to deposits | 63.4869% | 2,576 |
| Net loans and leases to core deposits | 64.2543% | 2,778 |
| Total domestic deposits to total assets | 88.6219% | 2,247 |
| Equity capital to assets | 10.3850% | 1,635 |
| Core capital (leverage) ratio | 11.0722% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1441% | 884 |
| Memoranda: | ||
| Average total assets | $322,961,000 | 2,381 |
| Average earning assets | $307,675,500 | 2,347 |
| Average equity | $36,090,000 | 2,211 |
| Average total loans | $188,548,000 | 2,306 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 2,400 |
| Cost of funding earning assets | 0.4949% | 959 |
| Net interest margin | 3.1020% | 2,896 |
| Noninterest income to average assets | 0.7366% | 1,636 |
| Noninterest expense to average assets | 2.2398% | 2,969 |
| Loan and lease loss provision to assets | 0.0387% | 2,275 |
| Net operating income to assets | 1.3117% | 1,570 |
| Return on assets (ROA) | 1.3135% | 1,607 |
| Pretax return on assets | 1.4022% | 2,045 |
| Return on Equity (ROE) | 10.7484% | 2,256 |
| Retained earnings to average equity (ytd only) | 6.0092% | 2,359 |
| Net charge-offs to loans | -0.0414% | 4,236 |
| Credit loss provision to net charge-offs | -157.8947% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8841% | 3,013 |
| Assets per employee ($millions) | 6.5568% | 2,286 |
| Cash dividends to net income (ytd only)* | 44.0924% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 932 |
| Loan loss allowance to noncurrent loans | 120.6104% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 615 |
| Noncurrent loans to loans | 1.4572% | 631 |
| Net loans and leases to total assets | 58.4424% | 2,326 |
| Net loans and leases to deposits | 68.4317% | 2,266 |
| Net loans and leases to core deposits | 69.6225% | 2,490 |
| Total domestic deposits to total assets | 85.4025% | 3,133 |
| Equity capital to assets | 11.9727% | 1,262 |
| Core capital (leverage) ratio | 11.5698% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5191% | 963 |
| Memoranda: | ||
| Average total assets | $309,939,800 | 2,393 |
| Average earning assets | $293,972,800 | 2,361 |
| Average equity | $37,875,400 | 2,157 |
| Average total loans | $183,749,400 | 2,356 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 2,188 |
| Cost of funding earning assets | 0.5355% | 891 |
| Net interest margin | 3.1980% | 2,734 |
| Noninterest income to average assets | 0.7650% | 1,636 |
| Noninterest expense to average assets | 2.2354% | 2,946 |
| Loan and lease loss provision to assets | 0.0521% | 1,947 |
| Net operating income to assets | 1.4814% | 1,316 |
| Return on assets (ROA) | 1.4826% | 1,363 |
| Pretax return on assets | 1.5095% | 1,975 |
| Return on Equity (ROE) | 12.0686% | 2,020 |
| Retained earnings to average equity (ytd only) | 6.2198% | 2,732 |
| Net charge-offs to loans | 0.0103% | 1,937 |
| Credit loss provision to net charge-offs | 857.1429% | 560 |
| Earnings coverage of net charge-offs (x) | 256.7143% | 476 |
| Efficiency ratio | 58.8928% | 3,139 |
| Assets per employee ($millions) | 6.0715% | 2,624 |
| Cash dividends to net income (ytd only)* | 48.4627% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 892 |
| Loan loss allowance to noncurrent loans | 105.9643% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.0657% | 597 |
| Noncurrent loans to loans | 1.7196% | 585 |
| Net loans and leases to total assets | 56.8804% | 2,626 |
| Net loans and leases to deposits | 67.0740% | 2,531 |
| Net loans and leases to core deposits | 68.4366% | 2,737 |
| Total domestic deposits to total assets | 84.8024% | 3,177 |
| Equity capital to assets | 12.4813% | 1,179 |
| Core capital (leverage) ratio | 11.6664% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5123% | 879 |
| Memoranda: | ||
| Average total assets | $307,104,250 | 2,428 |
| Average earning assets | $291,050,750 | 2,400 |
| Average equity | $37,727,750 | 2,191 |
| Average total loans | $181,905,750 | 2,410 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 1,643 |
| Cost of funding earning assets | 0.5970% | 756 |
| Net interest margin | 3.3683% | 2,246 |
| Noninterest income to average assets | 0.7961% | 1,547 |
| Noninterest expense to average assets | 2.2445% | 2,940 |
| Loan and lease loss provision to assets | 0.0784% | 1,538 |
| Net operating income to assets | 1.6313% | 982 |
| Return on assets (ROA) | 1.6313% | 1,036 |
| Pretax return on assets | 1.6640% | 1,578 |
| Return on Equity (ROE) | 13.3508% | 1,608 |
| Retained earnings to average equity (ytd only) | 6.7128% | 2,534 |
| Net charge-offs to loans | -0.1105% | 4,648 |
| Credit loss provision to net charge-offs | -118.8119% | 3,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2981% | 3,506 |
| Assets per employee ($millions) | 5.8644% | 2,750 |
| Cash dividends to net income (ytd only)* | 49.7198% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 729 |
| Loan loss allowance to noncurrent loans | 46.8902% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.4460% | 144 |
| Noncurrent loans to loans | 4.0680% | 134 |
| Net loans and leases to total assets | 57.0830% | 2,778 |
| Net loans and leases to deposits | 67.3449% | 2,692 |
| Net loans and leases to core deposits | 68.5300% | 2,913 |
| Total domestic deposits to total assets | 84.7623% | 3,194 |
| Equity capital to assets | 12.4572% | 1,150 |
| Core capital (leverage) ratio | 11.6020% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2780% | 915 |
| Memoranda: | ||
| Average total assets | $306,256,333 | 2,422 |
| Average earning assets | $290,117,333 | 2,404 |
| Average equity | $37,421,000 | 2,196 |
| Average total loans | $182,741,667 | 2,421 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 2,453 |
| Cost of funding earning assets | 0.6556% | 670 |
| Net interest margin | 3.0107% | 3,232 |
| Noninterest income to average assets | 0.8472% | 1,472 |
| Noninterest expense to average assets | 2.1909% | 3,134 |
| Loan and lease loss provision to assets | 0.1173% | 1,168 |
| Net operating income to assets | 1.3489% | 1,687 |
| Return on assets (ROA) | 1.3489% | 1,778 |
| Pretax return on assets | 1.3880% | 2,312 |
| Return on Equity (ROE) | 11.1478% | 2,314 |
| Retained earnings to average equity (ytd only) | 6.2578% | 2,807 |
| Net charge-offs to loans | -0.0798% | 4,568 |
| Credit loss provision to net charge-offs | -243.2432% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2736% | 3,118 |
| Assets per employee ($millions) | 5.9378% | 2,658 |
| Cash dividends to net income (ytd only)* | 43.8647% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 853 |
| Loan loss allowance to noncurrent loans | 46.8403% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 196 |
| Noncurrent loans to loans | 3.8722% | 146 |
| Net loans and leases to total assets | 57.6991% | 2,833 |
| Net loans and leases to deposits | 67.3173% | 2,778 |
| Net loans and leases to core deposits | 68.8395% | 2,984 |
| Total domestic deposits to total assets | 85.7121% | 2,853 |
| Equity capital to assets | 11.9279% | 1,321 |
| Core capital (leverage) ratio | 11.3667% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6330% | 978 |
| Memoranda: | ||
| Average total assets | $306,911,000 | 2,410 |
| Average earning assets | $290,433,500 | 2,381 |
| Average equity | $37,137,500 | 2,198 |
| Average total loans | $185,383,500 | 2,396 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 2,218 |
| Cost of funding earning assets | 0.8899% | 881 |
| Net interest margin | 3.2854% | 3,105 |
| Noninterest income to average assets | 0.8371% | 1,431 |
| Noninterest expense to average assets | 2.3100% | 3,380 |
| Loan and lease loss provision to assets | 0.3771% | 862 |
| Net operating income to assets | 1.2286% | 1,451 |
| Return on assets (ROA) | 1.2340% | 1,539 |
| Pretax return on assets | 1.2499% | 2,156 |
| Return on Equity (ROE) | 10.3096% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.7444% | 1,490 |
| Net charge-offs to loans | 0.3222% | 554 |
| Credit loss provision to net charge-offs | 176.1905% | 2,287 |
| Earnings coverage of net charge-offs (x) | 7.5762% | 2,682 |
| Efficiency ratio | 58.7539% | 3,622 |
| Assets per employee ($millions) | 5.9815% | 2,348 |
| Cash dividends to net income (ytd only)* | 34.5815% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 1,104 |
| Loan loss allowance to noncurrent loans | 90.4258% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1765% | 751 |
| Noncurrent loans to loans | 1.8482% | 661 |
| Net loans and leases to total assets | 61.0238% | 2,726 |
| Net loans and leases to deposits | 71.6094% | 2,724 |
| Net loans and leases to core deposits | 75.3103% | 2,793 |
| Total domestic deposits to total assets | 85.2176% | 2,676 |
| Equity capital to assets | 12.2750% | 1,436 |
| Core capital (leverage) ratio | 11.2548% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8598% | 1,083 |
| Memoranda: | ||
| Average total assets | $294,334,400 | 2,322 |
| Average earning assets | $277,230,600 | 2,305 |
| Average equity | $35,229,400 | 2,222 |
| Average total loans | $195,544,200 | 2,279 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2938% | 2,115 |
| Cost of funding earning assets | 0.9395% | 935 |
| Net interest margin | 3.3544% | 3,034 |
| Noninterest income to average assets | 0.8151% | 1,435 |
| Noninterest expense to average assets | 2.2931% | 3,440 |
| Loan and lease loss provision to assets | 0.4594% | 687 |
| Net operating income to assets | 1.2056% | 1,620 |
| Return on assets (ROA) | 1.2128% | 1,727 |
| Pretax return on assets | 1.2284% | 2,294 |
| Return on Equity (ROE) | 10.2011% | 1,953 |
| Retained earnings to average equity (ytd only) | 5.5639% | 2,297 |
| Net charge-offs to loans | 0.3978% | 399 |
| Credit loss provision to net charge-offs | 170.9184% | 2,228 |
| Earnings coverage of net charge-offs (x) | 6.2517% | 2,666 |
| Efficiency ratio | 57.7082% | 3,710 |
| Assets per employee ($millions) | 5.9588% | 2,301 |
| Cash dividends to net income (ytd only)* | 45.4580% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 1,023 |
| Loan loss allowance to noncurrent loans | 75.7391% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 659 |
| Noncurrent loans to loans | 2.1499% | 552 |
| Net loans and leases to total assets | 61.6254% | 3,053 |
| Net loans and leases to deposits | 71.9938% | 3,132 |
| Net loans and leases to core deposits | 75.8632% | 3,174 |
| Total domestic deposits to total assets | 85.5982% | 2,221 |
| Equity capital to assets | 11.9247% | 1,726 |
| Core capital (leverage) ratio | 11.1774% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6164% | 1,110 |
| Memoranda: | ||
| Average total assets | $291,653,500 | 2,316 |
| Average earning assets | $274,620,250 | 2,299 |
| Average equity | $34,675,250 | 2,241 |
| Average total loans | $197,099,750 | 2,258 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 2,197 |
| Cost of funding earning assets | 1.0028% | 979 |
| Net interest margin | 3.4012% | 3,100 |
| Noninterest income to average assets | 0.7901% | 1,466 |
| Noninterest expense to average assets | 2.3132% | 3,481 |
| Loan and lease loss provision to assets | 0.4903% | 742 |
| Net operating income to assets | 1.1817% | 1,690 |
| Return on assets (ROA) | 1.1927% | 1,789 |
| Pretax return on assets | 1.2080% | 2,341 |
| Return on Equity (ROE) | 10.0427% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.3932% | 2,310 |
| Net charge-offs to loans | 0.8217% | 190 |
| Credit loss provision to net charge-offs | 86.0806% | 2,481 |
| Earnings coverage of net charge-offs (x) | 2.9621% | 2,721 |
| Efficiency ratio | 57.8234% | 3,715 |
| Assets per employee ($millions) | 5.6005% | 2,545 |
| Cash dividends to net income (ytd only)* | 46.2974% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,997 |
| Loan loss allowance to noncurrent loans | 106.2448% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 1,551 |
| Noncurrent loans to loans | 1.2246% | 1,278 |
| Net loans and leases to total assets | 64.4412% | 2,825 |
| Net loans and leases to deposits | 75.1834% | 2,954 |
| Net loans and leases to core deposits | 79.2286% | 3,005 |
| Total domestic deposits to total assets | 85.7120% | 2,119 |
| Equity capital to assets | 11.7816% | 1,789 |
| Core capital (leverage) ratio | 11.0198% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0437% | 1,240 |
| Memoranda: | ||
| Average total assets | $287,571,667 | 2,324 |
| Average earning assets | $271,432,333 | 2,300 |
| Average equity | $34,154,000 | 2,253 |
| Average total loans | $199,340,000 | 2,229 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 2,301 |
| Cost of funding earning assets | 1.1218% | 982 |
| Net interest margin | 3.3822% | 3,352 |
| Noninterest income to average assets | 0.5740% | 2,156 |
| Noninterest expense to average assets | 2.3417% | 3,679 |
| Loan and lease loss provision to assets | 0.7925% | 311 |
| Net operating income to assets | 0.6185% | 3,548 |
| Return on assets (ROA) | 0.6411% | 3,537 |
| Pretax return on assets | 0.6482% | 3,815 |
| Return on Equity (ROE) | 5.3748% | 3,517 |
| Retained earnings to average equity (ytd only) | 2.6814% | 3,201 |
| Net charge-offs to loans | 1.0126% | 154 |
| Credit loss provision to net charge-offs | 109.4675% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1.9586% | 2,327 |
| Efficiency ratio | 62.2864% | 3,465 |
| Assets per employee ($millions) | 5.7350% | 1,903 |
| Cash dividends to net income (ytd only)* | 50.1114% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,866 |
| Loan loss allowance to noncurrent loans | 48.4392% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9662% | 436 |
| Noncurrent loans to loans | 2.8048% | 402 |
| Net loans and leases to total assets | 69.1469% | 2,374 |
| Net loans and leases to deposits | 78.7859% | 2,800 |
| Net loans and leases to core deposits | 82.6920% | 2,962 |
| Total domestic deposits to total assets | 87.7656% | 1,203 |
| Equity capital to assets | 11.4728% | 2,458 |
| Core capital (leverage) ratio | 11.2287% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5344% | 1,460 |
| Memoranda: | ||
| Average total assets | $280,143,000 | 2,325 |
| Average earning assets | $263,853,500 | 2,297 |
| Average equity | $33,415,500 | 2,279 |
| Average total loans | $200,281,000 | 2,183 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,733 |
| Cost of funding earning assets | 1.0410% | 1,551 |
| Net interest margin | 3.8667% | 2,285 |
| Noninterest income to average assets | 0.6358% | 2,068 |
| Noninterest expense to average assets | 2.4202% | 3,632 |
| Loan and lease loss provision to assets | 1.1122% | 81 |
| Net operating income to assets | 0.7187% | 3,805 |
| Return on assets (ROA) | 0.7217% | 3,863 |
| Pretax return on assets | 0.7304% | 4,134 |
| Return on Equity (ROE) | 5.7160% | 4,003 |
| Retained earnings to average equity (ytd only) | -0.7680% | 4,787 |
| Net charge-offs to loans | 1.2385% | 127 |
| Credit loss provision to net charge-offs | 118.4211% | 2,139 |
| Earnings coverage of net charge-offs (x) | 1.9587% | 3,468 |
| Efficiency ratio | 56.8151% | 4,110 |
| Assets per employee ($millions) | 5.0655% | 2,496 |
| Cash dividends to net income (ytd only)* | 113.4352% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,727 |
| Loan loss allowance to noncurrent loans | 144.4026% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 1,897 |
| Noncurrent loans to loans | 0.9311% | 1,645 |
| Net loans and leases to total assets | 71.9720% | 2,093 |
| Net loans and leases to deposits | 82.9468% | 2,448 |
| Net loans and leases to core deposits | 87.4337% | 2,664 |
| Total domestic deposits to total assets | 86.7689% | 1,719 |
| Equity capital to assets | 12.4053% | 1,881 |
| Core capital (leverage) ratio | 11.5219% | 2,094 |
| Tier 1 risk-based capital ratio | 15.5368% | 2,566 |
| Total risk-based capital ratio | 16.8610% | 2,476 |
| Memoranda: | ||
| Average total assets | $262,992,000 | 2,380 |
| Average earning assets | $246,492,400 | 2,362 |
| Average equity | $33,204,800 | 2,225 |
| Average total loans | $199,436,600 | 2,168 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 1,889 |
| Cost of funding earning assets | 1.0282% | 1,638 |
| Net interest margin | 3.8478% | 2,447 |
| Noninterest income to average assets | 0.6253% | 2,084 |
| Noninterest expense to average assets | 2.4545% | 3,554 |
| Loan and lease loss provision to assets | 1.2675% | 67 |
| Net operating income to assets | 0.5024% | 4,508 |
| Return on assets (ROA) | 0.5034% | 4,556 |
| Pretax return on assets | 0.5090% | 4,691 |
| Return on Equity (ROE) | 3.9689% | 4,600 |
| Retained earnings to average equity (ytd only) | -4.4211% | 5,040 |
| Net charge-offs to loans | 1.4362% | 94 |
| Credit loss provision to net charge-offs | 115.2235% | 2,022 |
| Earnings coverage of net charge-offs (x) | 1.6141% | 3,273 |
| Efficiency ratio | 58.0266% | 3,933 |
| Assets per employee ($millions) | 5.1678% | 2,376 |
| Cash dividends to net income (ytd only)* | 211.3945% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,092 |
| Loan loss allowance to noncurrent loans | 109.1880% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 1,541 |
| Noncurrent loans to loans | 1.1677% | 1,353 |
| Net loans and leases to total assets | 75.0656% | 1,639 |
| Net loans and leases to deposits | 86.8910% | 2,080 |
| Net loans and leases to core deposits | 91.9012% | 2,380 |
| Total domestic deposits to total assets | 86.3906% | 1,826 |
| Equity capital to assets | 12.5448% | 1,881 |
| Core capital (leverage) ratio | 11.6992% | 2,075 |
| Tier 1 risk-based capital ratio | 15.0675% | 2,817 |
| Total risk-based capital ratio | 16.3173% | 2,746 |
| Memoranda: | ||
| Average total assets | $260,355,750 | 2,415 |
| Average earning assets | $243,906,250 | 2,395 |
| Average equity | $33,022,750 | 2,254 |
| Average total loans | $199,407,500 | 2,187 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 1,807 |
| Cost of funding earning assets | 0.9947% | 1,721 |
| Net interest margin | 3.8876% | 2,278 |
| Noninterest income to average assets | 0.5739% | 2,268 |
| Noninterest expense to average assets | 2.4945% | 3,499 |
| Loan and lease loss provision to assets | 1.6160% | 52 |
| Net operating income to assets | 0.1072% | 5,053 |
| Return on assets (ROA) | 0.1057% | 5,064 |
| Pretax return on assets | 0.1064% | 5,069 |
| Return on Equity (ROE) | 0.8301% | 5,062 |
| Retained earnings to average equity (ytd only) | -8.6400% | 5,150 |
| Net charge-offs to loans | 0.1859% | 887 |
| Credit loss provision to net charge-offs | 1,132.4324% | 307 |
| Earnings coverage of net charge-offs (x) | 12.0811% | 2,173 |
| Efficiency ratio | 59.1333% | 3,845 |
| Assets per employee ($millions) | 5.2210% | 2,234 |
| Cash dividends to net income (ytd only)* | 1,140.8759% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 414 |
| Loan loss allowance to noncurrent loans | 185.8491% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 1,647 |
| Noncurrent loans to loans | 1.1119% | 1,469 |
| Net loans and leases to total assets | 75.1029% | 1,706 |
| Net loans and leases to deposits | 86.6140% | 2,183 |
| Net loans and leases to core deposits | 91.5726% | 2,454 |
| Total domestic deposits to total assets | 86.7098% | 1,726 |
| Equity capital to assets | 12.4486% | 1,888 |
| Core capital (leverage) ratio | 11.6658% | 2,046 |
| Tier 1 risk-based capital ratio | 15.0399% | 2,825 |
| Total risk-based capital ratio | 16.2996% | 2,740 |
| Memoranda: | ||
| Average total assets | $259,287,670 | 2,425 |
| Average earning assets | $243,081,670 | 2,409 |
| Average equity | $33,009,330 | 2,245 |
| Average total loans | $199,077,330 | 2,193 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 1,789 |
| Cost of funding earning assets | 0.9689% | 1,702 |
| Net interest margin | 3.8721% | 2,275 |
| Noninterest income to average assets | 0.5232% | 2,420 |
| Noninterest expense to average assets | 2.4550% | 3,620 |
| Loan and lease loss provision to assets | 0.1161% | 1,514 |
| Net operating income to assets | 1.5633% | 978 |
| Return on assets (ROA) | 1.5510% | 1,034 |
| Pretax return on assets | 1.5712% | 1,543 |
| Return on Equity (ROE) | 12.0485% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.4110% | 2,729 |
| Net charge-offs to loans | 0.3103% | 483 |
| Credit loss provision to net charge-offs | 48.7013% | 1,986 |
| Earnings coverage of net charge-offs (x) | 7.1299% | 2,152 |
| Efficiency ratio | 59.0909% | 3,938 |
| Assets per employee ($millions) | 5.2807% | 2,191 |
| Cash dividends to net income (ytd only)* | 55.0898% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,236 |
| Loan loss allowance to noncurrent loans | 66.6357% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 1,067 |
| Noncurrent loans to loans | 1.6210% | 973 |
| Net loans and leases to total assets | 76.0595% | 1,467 |
| Net loans and leases to deposits | 88.9214% | 1,756 |
| Net loans and leases to core deposits | 93.8889% | 2,134 |
| Total domestic deposits to total assets | 85.5357% | 2,469 |
| Equity capital to assets | 13.0332% | 1,434 |
| Core capital (leverage) ratio | 12.6449% | 1,435 |
| Tier 1 risk-based capital ratio | 15.9468% | 2,461 |
| Total risk-based capital ratio | 17.0126% | 2,470 |
| Memoranda: | ||
| Average total assets | $258,406,500 | 2,455 |
| Average earning assets | $242,346,500 | 2,432 |
| Average equity | $33,265,500 | 2,235 |
| Average total loans | $198,519,500 | 2,220 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 2,254 |
| Cost of funding earning assets | 0.6714% | 2,255 |
| Net interest margin | 3.8895% | 2,357 |
| Noninterest income to average assets | 0.6644% | 1,991 |
| Noninterest expense to average assets | 2.5140% | 3,571 |
| Loan and lease loss provision to assets | 0.3720% | 395 |
| Net operating income to assets | 1.3918% | 1,456 |
| Return on assets (ROA) | 1.3922% | 1,454 |
| Pretax return on assets | 1.4091% | 2,102 |
| Return on Equity (ROE) | 11.0854% | 2,049 |
| Retained earnings to average equity (ytd only) | 4.5445% | 3,026 |
| Net charge-offs to loans | 0.0852% | 1,930 |
| Credit loss provision to net charge-offs | 583.3333% | 604 |
| Earnings coverage of net charge-offs (x) | 27.9259% | 1,671 |
| Efficiency ratio | 58.5373% | 4,075 |
| Assets per employee ($millions) | 5.2665% | 2,184 |
| Cash dividends to net income (ytd only)* | 59.0048% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,953 |
| Loan loss allowance to noncurrent loans | 122.8225% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 1,918 |
| Noncurrent loans to loans | 0.9158% | 1,751 |
| Net loans and leases to total assets | 75.8954% | 1,634 |
| Net loans and leases to deposits | 88.9639% | 1,933 |
| Net loans and leases to core deposits | 93.2470% | 2,294 |
| Total domestic deposits to total assets | 85.3103% | 2,512 |
| Equity capital to assets | 12.7130% | 1,479 |
| Core capital (leverage) ratio | 12.5170% | 1,447 |
| Tier 1 risk-based capital ratio | 15.7505% | 2,513 |
| Total risk-based capital ratio | 16.8573% | 2,493 |
| Memoranda: | ||
| Average total assets | $254,061,200 | 2,442 |
| Average earning assets | $237,123,000 | 2,436 |
| Average equity | $31,906,800 | 2,225 |
| Average total loans | $190,079,800 | 2,248 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 2,324 |
| Cost of funding earning assets | 0.6409% | 2,200 |
| Net interest margin | 3.8546% | 2,459 |
| Noninterest income to average assets | 0.5896% | 2,368 |
| Noninterest expense to average assets | 2.4868% | 3,631 |
| Loan and lease loss provision to assets | 0.3346% | 417 |
| Net operating income to assets | 1.3440% | 1,685 |
| Return on assets (ROA) | 1.3446% | 1,697 |
| Pretax return on assets | 1.3651% | 2,359 |
| Return on Equity (ROE) | 10.7399% | 2,290 |
| Retained earnings to average equity (ytd only) | 1.9569% | 4,595 |
| Net charge-offs to loans | -0.0064% | 4,276 |
| Credit loss provision to net charge-offs | -7,055.5556% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4084% | 3,905 |
| Assets per employee ($millions) | 5.0266% | 2,436 |
| Cash dividends to net income (ytd only)* | 81.7791% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,229 |
| Loan loss allowance to noncurrent loans | 66.9551% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 1,095 |
| Noncurrent loans to loans | 1.6336% | 967 |
| Net loans and leases to total assets | 75.1607% | 1,788 |
| Net loans and leases to deposits | 87.7875% | 2,178 |
| Net loans and leases to core deposits | 91.4023% | 2,534 |
| Total domestic deposits to total assets | 85.6166% | 2,349 |
| Equity capital to assets | 12.5137% | 1,578 |
| Core capital (leverage) ratio | 12.4146% | 1,547 |
| Tier 1 risk-based capital ratio | 15.1191% | 2,831 |
| Total risk-based capital ratio | 16.1472% | 2,846 |
| Memoranda: | ||
| Average total assets | $253,061,750 | 2,470 |
| Average earning assets | $236,113,000 | 2,458 |
| Average equity | $31,681,750 | 2,240 |
| Average total loans | $188,079,000 | 2,272 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,322 |
| Cost of funding earning assets | 0.6102% | 2,160 |
| Net interest margin | 3.8200% | 2,498 |
| Noninterest income to average assets | 0.5985% | 2,327 |
| Noninterest expense to average assets | 2.4547% | 3,763 |
| Loan and lease loss provision to assets | 0.0473% | 2,958 |
| Net operating income to assets | 1.6393% | 826 |
| Return on assets (ROA) | 1.6393% | 831 |
| Pretax return on assets | 1.6606% | 1,314 |
| Return on Equity (ROE) | 13.0925% | 1,344 |
| Retained earnings to average equity (ytd only) | 3.2306% | 3,955 |
| Net charge-offs to loans | -0.0053% | 4,117 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9695% | 4,090 |
| Assets per employee ($millions) | 5.0984% | 2,292 |
| Cash dividends to net income (ytd only)* | 75.3247% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,668 |
| Loan loss allowance to noncurrent loans | 58.3688% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 1,410 |
| Noncurrent loans to loans | 1.3832% | 1,228 |
| Net loans and leases to total assets | 74.2621% | 1,907 |
| Net loans and leases to deposits | 86.0580% | 2,300 |
| Net loans and leases to core deposits | 89.9907% | 2,569 |
| Total domestic deposits to total assets | 86.2930% | 2,145 |
| Equity capital to assets | 12.6934% | 1,444 |
| Core capital (leverage) ratio | 12.4654% | 1,457 |
| Tier 1 risk-based capital ratio | 15.5119% | 2,633 |
| Total risk-based capital ratio | 16.2732% | 2,790 |
| Memoranda: | ||
| Average total assets | $253,638,330 | 2,479 |
| Average earning assets | $236,650,670 | 2,456 |
| Average equity | $31,758,670 | 2,239 |
| Average total loans | $187,108,000 | 2,284 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3065% | 2,490 |
| Cost of funding earning assets | 0.5895% | 2,117 |
| Net interest margin | 3.7170% | 2,738 |
| Noninterest income to average assets | 0.5979% | 2,269 |
| Noninterest expense to average assets | 2.3886% | 3,975 |
| Loan and lease loss provision to assets | 0.0470% | 2,826 |
| Net operating income to assets | 1.6060% | 849 |
| Return on assets (ROA) | 1.6060% | 850 |
| Pretax return on assets | 1.6263% | 1,310 |
| Return on Equity (ROE) | 12.9128% | 1,293 |
| Retained earnings to average equity (ytd only) | 5.9907% | 2,708 |
| Net charge-offs to loans | 0.0150% | 2,223 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 152.7143% | 425 |
| Efficiency ratio | 58.8054% | 4,250 |
| Assets per employee ($millions) | 5.1764% | 2,276 |
| Cash dividends to net income (ytd only)* | 53.6062% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 4,844 |
| Loan loss allowance to noncurrent loans | 26.7213% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 469 |
| Noncurrent loans to loans | 2.9170% | 418 |
| Net loans and leases to total assets | 75.1576% | 1,678 |
| Net loans and leases to deposits | 87.2923% | 2,017 |
| Net loans and leases to core deposits | 97.5531% | 1,865 |
| Total domestic deposits to total assets | 86.0987% | 2,506 |
| Equity capital to assets | 12.7623% | 1,355 |
| Core capital (leverage) ratio | 12.4628% | 1,407 |
| Tier 1 risk-based capital ratio | 15.4631% | 2,677 |
| Total risk-based capital ratio | 16.2012% | 2,819 |
| Memoranda: | ||
| Average total assets | $255,546,500 | 2,481 |
| Average earning assets | $238,150,000 | 2,466 |
| Average equity | $31,782,500 | 2,251 |
| Average total loans | $187,145,500 | 2,304 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,538 |
| Cost of funding earning assets | 0.5134% | 2,222 |
| Net interest margin | 3.7264% | 2,687 |
| Noninterest income to average assets | 0.5788% | 2,562 |
| Noninterest expense to average assets | 2.3913% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6338% | 607 |
| Return on assets (ROA) | 1.6369% | 621 |
| Pretax return on assets | 1.6613% | 1,119 |
| Return on Equity (ROE) | 13.3026% | 882 |
| Retained earnings to average equity (ytd only) | 6.0690% | 1,503 |
| Net charge-offs to loans | 0.1873% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 12.1818% | 2,495 |
| Efficiency ratio | 59.0537% | 4,405 |
| Assets per employee ($millions) | 5.4714% | 1,966 |
| Cash dividends to net income (ytd only)* | 54.3770% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,892 |
| Loan loss allowance to noncurrent loans | 64.9146% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 1,838 |
| Noncurrent loans to loans | 1.1962% | 1,489 |
| Net loans and leases to total assets | 70.3043% | 2,480 |
| Net loans and leases to deposits | 80.8805% | 2,829 |
| Net loans and leases to core deposits | 89.1988% | 2,637 |
| Total domestic deposits to total assets | 86.9237% | 2,032 |
| Equity capital to assets | 12.1294% | 1,741 |
| Core capital (leverage) ratio | 12.1816% | 1,508 |
| Tier 1 risk-based capital ratio | 15.3389% | 2,688 |
| Total risk-based capital ratio | 16.0715% | 2,859 |
| Memoranda: | ||
| Average total assets | $250,531,000 | 2,488 |
| Average earning assets | $233,337,000 | 2,474 |
| Average equity | $30,828,600 | 2,303 |
| Average total loans | $182,044,000 | 2,306 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,415 |
| Cost of funding earning assets | 0.5006% | 2,258 |
| Net interest margin | 3.7533% | 2,566 |
| Noninterest income to average assets | 0.5920% | 2,521 |
| Noninterest expense to average assets | 2.3746% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6969% | 580 |
| Return on assets (ROA) | 1.7007% | 590 |
| Pretax return on assets | 1.7227% | 1,066 |
| Return on Equity (ROE) | 13.7683% | 882 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,514 |
| Net charge-offs to loans | 0.1002% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 23.4631% | 1,810 |
| Efficiency ratio | 58.0076% | 4,504 |
| Assets per employee ($millions) | 5.0795% | 2,353 |
| Cash dividends to net income (ytd only)* | 70.6367% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,561 |
| Loan loss allowance to noncurrent loans | 88.9968% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 2,267 |
| Noncurrent loans to loans | 1.0130% | 1,921 |
| Net loans and leases to total assets | 72.8730% | 2,116 |
| Net loans and leases to deposits | 84.3470% | 2,521 |
| Net loans and leases to core deposits | 96.9464% | 1,987 |
| Total domestic deposits to total assets | 86.3967% | 2,137 |
| Equity capital to assets | 12.5791% | 1,618 |
| Core capital (leverage) ratio | 11.9639% | 1,709 |
| Tier 1 risk-based capital ratio | 15.2036% | 2,838 |
| Total risk-based capital ratio | 16.0594% | 2,940 |
| Memoranda: | ||
| Average total assets | $247,507,000 | 2,526 |
| Average earning assets | $230,901,000 | 2,505 |
| Average equity | $30,572,000 | 2,336 |
| Average total loans | $181,034,250 | 2,323 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2259% | 2,378 |
| Cost of funding earning assets | 0.4853% | 2,287 |
| Net interest margin | 3.7407% | 2,513 |
| Noninterest income to average assets | 0.5958% | 2,480 |
| Noninterest expense to average assets | 2.3858% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6767% | 589 |
| Return on assets (ROA) | 1.6823% | 598 |
| Pretax return on assets | 1.7041% | 1,049 |
| Return on Equity (ROE) | 13.7043% | 869 |
| Retained earnings to average equity (ytd only) | 2.4269% | 4,230 |
| Net charge-offs to loans | 0.0577% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 40.3462% | 1,243 |
| Efficiency ratio | 58.4143% | 4,543 |
| Assets per employee ($millions) | 5.0303% | 2,356 |
| Cash dividends to net income (ytd only)* | 82.2907% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,457 |
| Loan loss allowance to noncurrent loans | 137.1835% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,948 |
| Noncurrent loans to loans | 0.6867% | 2,694 |
| Net loans and leases to total assets | 73.9709% | 1,872 |
| Net loans and leases to deposits | 87.0292% | 2,101 |
| Net loans and leases to core deposits | 100.0714% | 1,643 |
| Total domestic deposits to total assets | 84.9955% | 2,811 |
| Equity capital to assets | 12.5098% | 1,615 |
| Core capital (leverage) ratio | 11.8276% | 1,746 |
| Tier 1 risk-based capital ratio | 15.0394% | 2,906 |
| Total risk-based capital ratio | 15.9464% | 2,988 |
| Memoranda: | ||
| Average total assets | $247,044,000 | 2,539 |
| Average earning assets | $230,386,330 | 2,523 |
| Average equity | $30,326,330 | 2,346 |
| Average total loans | $180,369,670 | 2,336 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,477 |
| Cost of funding earning assets | 0.4693% | 2,351 |
| Net interest margin | 3.6795% | 2,564 |
| Noninterest income to average assets | 0.6130% | 2,357 |
| Noninterest expense to average assets | 2.3564% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6594% | 596 |
| Return on assets (ROA) | 1.6594% | 609 |
| Pretax return on assets | 1.6804% | 1,044 |
| Return on Equity (ROE) | 13.6472% | 871 |
| Retained earnings to average equity (ytd only) | 4.9082% | 2,941 |
| Net charge-offs to loans | 0.0067% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 346.3333% | 174 |
| Efficiency ratio | 58.3734% | 4,676 |
| Assets per employee ($millions) | 4.8083% | 2,685 |
| Cash dividends to net income (ytd only)* | 64.0351% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 4,381 |
| Loan loss allowance to noncurrent loans | 98.8359% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 2,240 |
| Noncurrent loans to loans | 0.9938% | 2,060 |
| Net loans and leases to total assets | 73.2967% | 1,856 |
| Net loans and leases to deposits | 86.3110% | 2,003 |
| Net loans and leases to core deposits | 98.8816% | 1,589 |
| Total domestic deposits to total assets | 84.9215% | 3,119 |
| Equity capital to assets | 12.3830% | 1,611 |
| Core capital (leverage) ratio | 11.8977% | 1,693 |
| Tier 1 risk-based capital ratio | 15.2096% | 2,866 |
| Total risk-based capital ratio | 16.1528% | 2,938 |
| Memoranda: | ||
| Average total assets | $247,323,000 | 2,564 |
| Average earning assets | $230,137,500 | 2,553 |
| Average equity | $30,072,000 | 2,371 |
| Average total loans | $178,523,500 | 2,376 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 2,287 |
| Cost of funding earning assets | 0.4774% | 2,281 |
| Net interest margin | 3.7790% | 2,396 |
| Noninterest income to average assets | 0.5562% | 2,880 |
| Noninterest expense to average assets | 2.4443% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5980% | 684 |
| Return on assets (ROA) | 1.6013% | 703 |
| Pretax return on assets | 1.6253% | 1,205 |
| Return on Equity (ROE) | 12.7719% | 1,051 |
| Retained earnings to average equity (ytd only) | 5.8973% | 1,768 |
| Net charge-offs to loans | 0.0471% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 46.9756% | 1,049 |
| Efficiency ratio | 60.1118% | 4,565 |
| Assets per employee ($millions) | 5.0902% | 2,297 |
| Cash dividends to net income (ytd only)* | 53.8259% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 4,211 |
| Loan loss allowance to noncurrent loans | 186.8201% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 3,320 |
| Noncurrent loans to loans | 0.5447% | 3,212 |
| Net loans and leases to total assets | 69.6558% | 2,535 |
| Net loans and leases to deposits | 83.6650% | 2,462 |
| Net loans and leases to core deposits | 94.6084% | 2,048 |
| Total domestic deposits to total assets | 83.2557% | 3,675 |
| Equity capital to assets | 11.9388% | 1,853 |
| Core capital (leverage) ratio | 11.7347% | 1,771 |
| Tier 1 risk-based capital ratio | 15.5854% | 2,710 |
| Total risk-based capital ratio | 16.5661% | 2,769 |
| Memoranda: | ||
| Average total assets | $237,491,200 | 2,603 |
| Average earning assets | $220,587,000 | 2,593 |
| Average equity | $29,776,200 | 2,364 |
| Average total loans | $174,038,400 | 2,374 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,121 |
| Cost of funding earning assets | 0.4733% | 2,336 |
| Net interest margin | 3.8402% | 2,193 |
| Noninterest income to average assets | 0.5907% | 2,712 |
| Noninterest expense to average assets | 2.4903% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6536% | 654 |
| Return on assets (ROA) | 1.6778% | 663 |
| Pretax return on assets | 1.7000% | 1,115 |
| Return on Equity (ROE) | 13.2140% | 997 |
| Retained earnings to average equity (ytd only) | 4.0479% | 3,421 |
| Net charge-offs to loans | 0.0507% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 44.6505% | 1,158 |
| Efficiency ratio | 59.7789% | 4,573 |
| Assets per employee ($millions) | 5.0950% | 2,263 |
| Cash dividends to net income (ytd only)* | 69.3664% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 4,152 |
| Loan loss allowance to noncurrent loans | 125.8380% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 2,671 |
| Noncurrent loans to loans | 0.8307% | 2,604 |
| Net loans and leases to total assets | 71.2364% | 2,308 |
| Net loans and leases to deposits | 82.3634% | 2,685 |
| Net loans and leases to core deposits | 94.2761% | 2,168 |
| Total domestic deposits to total assets | 86.4904% | 2,132 |
| Equity capital to assets | 12.6623% | 1,670 |
| Core capital (leverage) ratio | 11.7125% | 1,878 |
| Tier 1 risk-based capital ratio | 15.5567% | 2,804 |
| Total risk-based capital ratio | 16.5749% | 2,834 |
| Memoranda: | ||
| Average total assets | $234,508,500 | 2,636 |
| Average earning assets | $218,315,000 | 2,623 |
| Average equity | $29,775,750 | 2,379 |
| Average total loans | $173,667,250 | 2,380 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,022 |
| Cost of funding earning assets | 0.4638% | 2,438 |
| Net interest margin | 3.8746% | 2,065 |
| Noninterest income to average assets | 0.5866% | 2,686 |
| Noninterest expense to average assets | 2.5492% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6245% | 682 |
| Return on assets (ROA) | 1.6611% | 666 |
| Pretax return on assets | 1.6834% | 1,135 |
| Return on Equity (ROE) | 13.0704% | 1,011 |
| Retained earnings to average equity (ytd only) | 2.6695% | 4,201 |
| Net charge-offs to loans | 0.0551% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 39.9375% | 1,160 |
| Efficiency ratio | 60.7574% | 4,546 |
| Assets per employee ($millions) | 5.2208% | 2,065 |
| Cash dividends to net income (ytd only)* | 79.5760% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,288 |
| Loan loss allowance to noncurrent loans | 331.3297% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 3,955 |
| Noncurrent loans to loans | 0.3138% | 4,239 |
| Net loans and leases to total assets | 73.6956% | 1,900 |
| Net loans and leases to deposits | 85.4360% | 2,311 |
| Net loans and leases to core deposits | 96.7343% | 1,913 |
| Total domestic deposits to total assets | 86.2583% | 2,293 |
| Equity capital to assets | 12.7108% | 1,655 |
| Core capital (leverage) ratio | 11.7963% | 1,776 |
| Tier 1 risk-based capital ratio | 15.1649% | 2,998 |
| Total risk-based capital ratio | 16.1857% | 3,047 |
| Memoranda: | ||
| Average total assets | $232,856,000 | 2,656 |
| Average earning assets | $216,897,330 | 2,649 |
| Average equity | $29,593,670 | 2,397 |
| Average total loans | $174,093,330 | 2,373 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,033 |
| Cost of funding earning assets | 0.4555% | 2,522 |
| Net interest margin | 3.8739% | 2,015 |
| Noninterest income to average assets | 0.5832% | 2,624 |
| Noninterest expense to average assets | 2.5675% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6037% | 695 |
| Return on assets (ROA) | 1.6703% | 650 |
| Pretax return on assets | 1.6927% | 1,083 |
| Return on Equity (ROE) | 13.1435% | 1,004 |
| Retained earnings to average equity (ytd only) | 5.0782% | 2,891 |
| Net charge-offs to loans | 0.0276% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 645 |
| Efficiency ratio | 61.2346% | 4,563 |
| Assets per employee ($millions) | 5.1064% | 2,236 |
| Cash dividends to net income (ytd only)* | 61.3636% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 4,220 |
| Loan loss allowance to noncurrent loans | 75.4778% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 1,687 |
| Noncurrent loans to loans | 1.4187% | 1,680 |
| Net loans and leases to total assets | 74.6207% | 1,624 |
| Net loans and leases to deposits | 86.9149% | 1,953 |
| Net loans and leases to core deposits | 96.2520% | 1,770 |
| Total domestic deposits to total assets | 85.8549% | 2,733 |
| Equity capital to assets | 12.9214% | 1,447 |
| Core capital (leverage) ratio | 11.7830% | 1,768 |
| Tier 1 risk-based capital ratio | 15.3032% | 3,013 |
| Total risk-based capital ratio | 16.3551% | 3,044 |
| Memoranda: | ||
| Average total assets | $231,817,000 | 2,673 |
| Average earning assets | $216,010,000 | 2,667 |
| Average equity | $29,459,500 | 2,406 |
| Average total loans | $173,662,500 | 2,373 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 2,092 |
| Cost of funding earning assets | 0.4560% | 2,569 |
| Net interest margin | 3.8832% | 2,086 |
| Noninterest income to average assets | 0.5053% | 3,290 |
| Noninterest expense to average assets | 2.4886% | 4,260 |
| Loan and lease loss provision to assets | 0.0387% | 3,564 |
| Net operating income to assets | 1.5656% | 758 |
| Return on assets (ROA) | 1.5954% | 733 |
| Pretax return on assets | 1.6191% | 1,190 |
| Return on Equity (ROE) | 13.1519% | 1,021 |
| Retained earnings to average equity (ytd only) | 6.7284% | 1,417 |
| Net charge-offs to loans | 0.0995% | 2,421 |
| Credit loss provision to net charge-offs | 53.2544% | 3,360 |
| Earnings coverage of net charge-offs (x) | 22.3964% | 1,774 |
| Efficiency ratio | 60.4576% | 4,849 |
| Assets per employee ($millions) | 5.1965% | 2,124 |
| Cash dividends to net income (ytd only)* | 48.8410% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 4,191 |
| Loan loss allowance to noncurrent loans | 88.9948% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0575% | 2,072 |
| Noncurrent loans to loans | 1.2063% | 1,956 |
| Net loans and leases to total assets | 73.6089% | 1,793 |
| Net loans and leases to deposits | 88.8867% | 1,762 |
| Net loans and leases to core deposits | 97.2612% | 1,736 |
| Total domestic deposits to total assets | 82.8120% | 3,902 |
| Equity capital to assets | 12.4985% | 1,626 |
| Core capital (leverage) ratio | 11.6364% | 1,863 |
| Tier 1 risk-based capital ratio | 14.5640% | 3,408 |
| Total risk-based capital ratio | 15.5857% | 3,443 |
| Memoranda: | ||
| Average total assets | $232,538,800 | 2,640 |
| Average earning assets | $216,238,000 | 2,620 |
| Average equity | $28,208,800 | 2,440 |
| Average total loans | $169,818,600 | 2,355 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,074 |
| Cost of funding earning assets | 0.4612% | 2,565 |
| Net interest margin | 3.8898% | 2,068 |
| Noninterest income to average assets | 0.5489% | 3,060 |
| Noninterest expense to average assets | 2.5103% | 4,164 |
| Loan and lease loss provision to assets | 0.0517% | 3,165 |
| Net operating income to assets | 1.5828% | 803 |
| Return on assets (ROA) | 1.6226% | 762 |
| Pretax return on assets | 1.6444% | 1,256 |
| Return on Equity (ROE) | 13.4788% | 1,013 |
| Retained earnings to average equity (ytd only) | 4.8364% | 3,026 |
| Net charge-offs to loans | 0.0600% | 2,743 |
| Credit loss provision to net charge-offs | 118.4211% | 2,009 |
| Earnings coverage of net charge-offs (x) | 37.9477% | 1,295 |
| Efficiency ratio | 60.2536% | 4,856 |
| Assets per employee ($millions) | 5.1058% | 2,168 |
| Cash dividends to net income (ytd only)* | 64.1188% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 3,850 |
| Loan loss allowance to noncurrent loans | 78.6918% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 2,014 |
| Noncurrent loans to loans | 1.4788% | 1,693 |
| Net loans and leases to total assets | 72.4898% | 1,983 |
| Net loans and leases to deposits | 86.4008% | 2,100 |
| Net loans and leases to core deposits | 94.7422% | 2,006 |
| Total domestic deposits to total assets | 83.8994% | 3,470 |
| Equity capital to assets | 12.3341% | 1,848 |
| Core capital (leverage) ratio | 11.2839% | 2,210 |
| Tier 1 risk-based capital ratio | 14.5599% | 3,523 |
| Total risk-based capital ratio | 15.6690% | 3,533 |
| Memoranda: | ||
| Average total assets | $232,212,500 | 2,669 |
| Average earning assets | $215,946,000 | 2,641 |
| Average equity | $27,954,250 | 2,473 |
| Average total loans | $168,773,750 | 2,382 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 2,009 |
| Cost of funding earning assets | 0.4604% | 2,609 |
| Net interest margin | 3.8900% | 2,019 |
| Noninterest income to average assets | 0.5089% | 3,318 |
| Noninterest expense to average assets | 2.4787% | 4,301 |
| Loan and lease loss provision to assets | 0.0515% | 3,087 |
| Net operating income to assets | 1.5759% | 787 |
| Return on assets (ROA) | 1.5886% | 792 |
| Pretax return on assets | 1.6101% | 1,302 |
| Return on Equity (ROE) | 13.3041% | 1,056 |
| Retained earnings to average equity (ytd only) | 3.7519% | 3,618 |
| Net charge-offs to loans | 0.0545% | 2,633 |
| Credit loss provision to net charge-offs | 130.4348% | 1,691 |
| Earnings coverage of net charge-offs (x) | 41.7609% | 1,101 |
| Efficiency ratio | 60.0541% | 4,970 |
| Assets per employee ($millions) | 4.9166% | 2,378 |
| Cash dividends to net income (ytd only)* | 71.7990% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,062 |
| Loan loss allowance to noncurrent loans | 130.9079% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 3,170 |
| Noncurrent loans to loans | 0.8813% | 2,924 |
| Net loans and leases to total assets | 72.7052% | 1,862 |
| Net loans and leases to deposits | 88.5352% | 1,768 |
| Net loans and leases to core deposits | 101.0283% | 1,400 |
| Total domestic deposits to total assets | 82.1201% | 4,257 |
| Equity capital to assets | 12.0763% | 1,969 |
| Core capital (leverage) ratio | 10.9856% | 2,436 |
| Tier 1 risk-based capital ratio | 14.4307% | 3,674 |
| Total risk-based capital ratio | 15.5514% | 3,682 |
| Memoranda: | ||
| Average total assets | $233,029,330 | 2,676 |
| Average earning assets | $216,758,330 | 2,650 |
| Average equity | $27,826,000 | 2,496 |
| Average total loans | $168,860,000 | 2,385 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,016 |
| Cost of funding earning assets | 0.4632% | 2,644 |
| Net interest margin | 3.8616% | 2,027 |
| Noninterest income to average assets | 0.4513% | 3,629 |
| Noninterest expense to average assets | 2.4666% | 4,384 |
| Loan and lease loss provision to assets | 0.0513% | 2,912 |
| Net operating income to assets | 1.5043% | 838 |
| Return on assets (ROA) | 1.5043% | 890 |
| Pretax return on assets | 1.5248% | 1,479 |
| Return on Equity (ROE) | 12.6683% | 1,173 |
| Retained earnings to average equity (ytd only) | 6.0606% | 2,463 |
| Net charge-offs to loans | 0.0642% | 2,103 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 34.1481% | 1,068 |
| Efficiency ratio | 61.0148% | 4,963 |
| Assets per employee ($millions) | 4.9427% | 2,431 |
| Cash dividends to net income (ytd only)* | 52.1591% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,237 |
| Loan loss allowance to noncurrent loans | 129.8269% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 3,282 |
| Noncurrent loans to loans | 0.8894% | 3,016 |
| Net loans and leases to total assets | 71.8599% | 1,827 |
| Net loans and leases to deposits | 86.2389% | 1,797 |
| Net loans and leases to core deposits | 97.2713% | 1,537 |
| Total domestic deposits to total assets | 83.3265% | 4,072 |
| Equity capital to assets | 12.0921% | 1,959 |
| Core capital (leverage) ratio | 10.9095% | 2,506 |
| Tier 1 risk-based capital ratio | 14.4283% | 3,761 |
| Total risk-based capital ratio | 15.5470% | 3,757 |
| Memoranda: | ||
| Average total assets | $234,003,500 | 2,686 |
| Average earning assets | $217,629,500 | 2,664 |
| Average equity | $27,786,000 | 2,515 |
| Average total loans | $168,305,500 | 2,392 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 2,401 |
| Cost of funding earning assets | 0.5443% | 2,255 |
| Net interest margin | 3.8077% | 2,601 |
| Noninterest income to average assets | 0.5004% | 3,506 |
| Noninterest expense to average assets | 2.4342% | 4,747 |
| Loan and lease loss provision to assets | 0.0521% | 3,513 |
| Net operating income to assets | 1.5174% | 845 |
| Return on assets (ROA) | 1.5311% | 857 |
| Pretax return on assets | 1.5528% | 1,376 |
| Return on Equity (ROE) | 13.4882% | 1,044 |
| Retained earnings to average equity (ytd only) | 7.9705% | 1,027 |
| Net charge-offs to loans | 0.1796% | 2,231 |
| Credit loss provision to net charge-offs | 41.6667% | 3,643 |
| Earnings coverage of net charge-offs (x) | 12.7188% | 2,343 |
| Efficiency ratio | 60.4726% | 5,151 |
| Assets per employee ($millions) | 4.9104% | 2,436 |
| Cash dividends to net income (ytd only)* | 40.9078% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,220 |
| Loan loss allowance to noncurrent loans | 100.8286% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 2,887 |
| Noncurrent loans to loans | 1.1513% | 2,536 |
| Net loans and leases to total assets | 70.3345% | 2,187 |
| Net loans and leases to deposits | 85.5999% | 2,030 |
| Net loans and leases to core deposits | 92.7901% | 2,012 |
| Total domestic deposits to total assets | 82.1666% | 4,360 |
| Equity capital to assets | 11.6594% | 2,294 |
| Core capital (leverage) ratio | 10.9964% | 2,415 |
| Tier 1 risk-based capital ratio | 13.9376% | 4,135 |
| Total risk-based capital ratio | 15.0349% | 4,178 |
| Memoranda: | ||
| Average total assets | $230,222,800 | 2,696 |
| Average earning assets | $213,122,800 | 2,680 |
| Average equity | $26,134,000 | 2,559 |
| Average total loans | $160,378,800 | 2,418 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 2,261 |
| Cost of funding earning assets | 0.5656% | 2,140 |
| Net interest margin | 3.8227% | 2,532 |
| Noninterest income to average assets | 0.5104% | 3,478 |
| Noninterest expense to average assets | 2.3904% | 4,861 |
| Loan and lease loss provision to assets | 0.0524% | 3,326 |
| Net operating income to assets | 1.5872% | 775 |
| Return on assets (ROA) | 1.6051% | 776 |
| Pretax return on assets | 1.6255% | 1,246 |
| Return on Equity (ROE) | 14.2389% | 942 |
| Retained earnings to average equity (ytd only) | 6.7861% | 1,934 |
| Net charge-offs to loans | 0.2153% | 1,750 |
| Credit loss provision to net charge-offs | 35.1563% | 3,372 |
| Earnings coverage of net charge-offs (x) | 11.1291% | 2,466 |
| Efficiency ratio | 59.0190% | 5,309 |
| Assets per employee ($millions) | 5.0021% | 2,235 |
| Cash dividends to net income (ytd only)* | 52.3413% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 4,083 |
| Loan loss allowance to noncurrent loans | 95.6799% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 2,934 |
| Noncurrent loans to loans | 1.2835% | 2,496 |
| Net loans and leases to total assets | 68.1253% | 2,516 |
| Net loans and leases to deposits | 80.6957% | 2,590 |
| Net loans and leases to core deposits | 88.6908% | 2,352 |
| Total domestic deposits to total assets | 84.4225% | 3,580 |
| Equity capital to assets | 11.5896% | 2,400 |
| Core capital (leverage) ratio | 10.5954% | 2,929 |
| Tier 1 risk-based capital ratio | 14.0987% | 4,147 |
| Total risk-based capital ratio | 15.2455% | 4,160 |
| Memoranda: | ||
| Average total assets | $228,854,000 | 2,728 |
| Average earning assets | $211,924,000 | 2,711 |
| Average equity | $25,797,250 | 2,599 |
| Average total loans | $158,542,500 | 2,459 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,245 |
| Cost of funding earning assets | 0.5874% | 2,007 |
| Net interest margin | 3.7957% | 2,588 |
| Noninterest income to average assets | 0.4990% | 3,492 |
| Noninterest expense to average assets | 2.3726% | 4,969 |
| Loan and lease loss provision to assets | 0.0525% | 3,248 |
| Net operating income to assets | 1.5727% | 752 |
| Return on assets (ROA) | 1.5995% | 735 |
| Pretax return on assets | 1.6197% | 1,204 |
| Return on Equity (ROE) | 14.3253% | 898 |
| Retained earnings to average equity (ytd only) | 6.2257% | 2,200 |
| Net charge-offs to loans | 0.1439% | 2,234 |
| Credit loss provision to net charge-offs | 52.6316% | 2,758 |
| Earnings coverage of net charge-offs (x) | 16.4825% | 1,790 |
| Efficiency ratio | 59.0543% | 5,421 |
| Assets per employee ($millions) | 4.9796% | 2,240 |
| Cash dividends to net income (ytd only)* | 56.5408% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 3,782 |
| Loan loss allowance to noncurrent loans | 68.2224% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 2,256 |
| Noncurrent loans to loans | 1.9252% | 1,769 |
| Net loans and leases to total assets | 67.6057% | 2,483 |
| Net loans and leases to deposits | 78.9698% | 2,664 |
| Net loans and leases to core deposits | 86.7077% | 2,445 |
| Total domestic deposits to total assets | 85.6096% | 3,234 |
| Equity capital to assets | 11.4249% | 2,493 |
| Core capital (leverage) ratio | 10.3778% | 3,107 |
| Tier 1 risk-based capital ratio | 13.9970% | 4,260 |
| Total risk-based capital ratio | 15.2276% | 4,212 |
| Memoranda: | ||
| Average total assets | $228,440,330 | 2,741 |
| Average earning assets | $211,765,000 | 2,722 |
| Average equity | $25,507,330 | 2,615 |
| Average total loans | $158,489,330 | 2,467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 2,170 |
| Cost of funding earning assets | 0.6064% | 1,923 |
| Net interest margin | 3.7840% | 2,531 |
| Noninterest income to average assets | 0.4629% | 3,686 |
| Noninterest expense to average assets | 2.3758% | 4,994 |
| Loan and lease loss provision to assets | 0.0526% | 3,053 |
| Net operating income to assets | 1.5277% | 769 |
| Return on assets (ROA) | 1.5816% | 717 |
| Pretax return on assets | 1.6008% | 1,171 |
| Return on Equity (ROE) | 14.3311% | 885 |
| Retained earnings to average equity (ytd only) | 11.0423% | 738 |
| Net charge-offs to loans | 0.2160% | 1,461 |
| Credit loss provision to net charge-offs | 34.8837% | 2,357 |
| Earnings coverage of net charge-offs (x) | 10.6047% | 1,847 |
| Efficiency ratio | 59.7706% | 5,429 |
| Assets per employee ($millions) | 4.8552% | 2,438 |
| Cash dividends to net income (ytd only)* | 22.9490% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,106 |
| Loan loss allowance to noncurrent loans | 104.6772% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 3,235 |
| Noncurrent loans to loans | 1.2447% | 2,962 |
| Net loans and leases to total assets | 69.8341% | 1,921 |
| Net loans and leases to deposits | 82.9051% | 1,959 |
| Net loans and leases to core deposits | 87.4416% | 2,152 |
| Total domestic deposits to total assets | 84.2338% | 4,196 |
| Equity capital to assets | 11.4902% | 2,258 |
| Core capital (leverage) ratio | 10.4675% | 2,970 |
| Tier 1 risk-based capital ratio | 13.8516% | 4,432 |
| Total risk-based capital ratio | 15.0734% | 4,400 |
| Memoranda: | ||
| Average total assets | $228,129,500 | 2,756 |
| Average earning assets | $211,736,000 | 2,732 |
| Average equity | $25,176,000 | 2,628 |
| Average total loans | $159,274,000 | 2,468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,374 |
| Cost of funding earning assets | 0.6906% | 1,883 |
| Net interest margin | 3.5009% | 3,911 |
| Noninterest income to average assets | 0.5211% | 3,624 |
| Noninterest expense to average assets | 2.3052% | 5,371 |
| Loan and lease loss provision to assets | 0.0798% | 3,512 |
| Net operating income to assets | 1.3749% | 1,076 |
| Return on assets (ROA) | 1.3894% | 1,079 |
| Pretax return on assets | 1.4085% | 1,752 |
| Return on Equity (ROE) | 12.8686% | 1,192 |
| Retained earnings to average equity (ytd only) | 5.9188% | 2,015 |
| Net charge-offs to loans | 0.0899% | 3,947 |
| Credit loss provision to net charge-offs | 138.4615% | 1,682 |
| Earnings coverage of net charge-offs (x) | 25.5615% | 1,323 |
| Efficiency ratio | 61.0022% | 5,358 |
| Assets per employee ($millions) | 5.1760% | 1,981 |
| Cash dividends to net income (ytd only)* | 54.0057% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,054 |
| Loan loss allowance to noncurrent loans | 205.3398% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 4,658 |
| Noncurrent loans to loans | 0.6417% | 4,374 |
| Net loans and leases to total assets | 68.0093% | 2,357 |
| Net loans and leases to deposits | 79.5041% | 2,520 |
| Net loans and leases to core deposits | 83.6818% | 2,709 |
| Total domestic deposits to total assets | 85.5419% | 3,488 |
| Equity capital to assets | 10.6002% | 3,047 |
| Core capital (leverage) ratio | 10.3480% | 3,094 |
| Tier 1 risk-based capital ratio | 13.1420% | 4,895 |
| Total risk-based capital ratio | 14.3694% | 4,843 |
| Memoranda: | ||
| Average total assets | $225,487,600 | 2,763 |
| Average earning assets | $209,831,800 | 2,723 |
| Average equity | $24,346,000 | 2,700 |
| Average total loans | $144,685,000 | 2,629 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 3,515 |
| Cost of funding earning assets | 0.7102% | 1,884 |
| Net interest margin | 3.4539% | 4,078 |
| Noninterest income to average assets | 0.5646% | 3,367 |
| Noninterest expense to average assets | 2.2978% | 5,352 |
| Loan and lease loss provision to assets | 0.1073% | 2,969 |
| Net operating income to assets | 1.3624% | 1,199 |
| Return on assets (ROA) | 1.3695% | 1,222 |
| Pretax return on assets | 1.3850% | 1,978 |
| Return on Equity (ROE) | 12.6240% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.3250% | 4,310 |
| Net charge-offs to loans | 0.0398% | 4,350 |
| Credit loss provision to net charge-offs | 428.5714% | 613 |
| Earnings coverage of net charge-offs (x) | 59.3080% | 761 |
| Efficiency ratio | 60.7407% | 5,318 |
| Assets per employee ($millions) | 4.6619% | 2,631 |
| Cash dividends to net income (ytd only)* | 73.6612% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,321 |
| Loan loss allowance to noncurrent loans | 152.3513% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 4,213 |
| Noncurrent loans to loans | 1.0064% | 3,794 |
| Net loans and leases to total assets | 64.5691% | 2,908 |
| Net loans and leases to deposits | 74.7000% | 3,129 |
| Net loans and leases to core deposits | 79.2620% | 3,203 |
| Total domestic deposits to total assets | 86.4379% | 2,999 |
| Equity capital to assets | 10.8881% | 2,872 |
| Core capital (leverage) ratio | 9.9519% | 3,738 |
| Tier 1 risk-based capital ratio | 13.9882% | 4,440 |
| Total risk-based capital ratio | 15.2459% | 4,387 |
| Memoranda: | ||
| Average total assets | $223,629,250 | 2,797 |
| Average earning assets | $208,375,250 | 2,758 |
| Average equity | $24,260,000 | 2,733 |
| Average total loans | $140,725,500 | 2,698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 3,600 |
| Cost of funding earning assets | 0.7165% | 1,948 |
| Net interest margin | 3.4195% | 4,115 |
| Noninterest income to average assets | 0.5934% | 3,235 |
| Noninterest expense to average assets | 2.2307% | 5,553 |
| Loan and lease loss provision to assets | 0.1599% | 2,322 |
| Net operating income to assets | 1.3761% | 1,128 |
| Return on assets (ROA) | 1.3832% | 1,202 |
| Pretax return on assets | 1.3983% | 1,935 |
| Return on Equity (ROE) | 12.7653% | 1,298 |
| Retained earnings to average equity (ytd only) | 1.4348% | 5,303 |
| Net charge-offs to loans | 0.0472% | 4,017 |
| Credit loss provision to net charge-offs | 545.4545% | 521 |
| Earnings coverage of net charge-offs (x) | 52.9091% | 772 |
| Efficiency ratio | 58.9852% | 5,602 |
| Assets per employee ($millions) | 4.7319% | 2,475 |
| Cash dividends to net income (ytd only)* | 88.7604% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6334% | 3,030 |
| Loan loss allowance to noncurrent loans | 213.9265% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 4,847 |
| Noncurrent loans to loans | 0.7636% | 4,392 |
| Net loans and leases to total assets | 59.8962% | 3,673 |
| Net loans and leases to deposits | 68.8994% | 3,872 |
| Net loans and leases to core deposits | 72.3953% | 3,996 |
| Total domestic deposits to total assets | 86.9329% | 2,858 |
| Equity capital to assets | 10.6480% | 3,124 |
| Core capital (leverage) ratio | 9.9394% | 3,603 |
| Tier 1 risk-based capital ratio | 14.3170% | 4,214 |
| Total risk-based capital ratio | 15.5759% | 4,159 |
| Memoranda: | ||
| Average total assets | $225,135,330 | 2,790 |
| Average earning assets | $209,911,000 | 2,744 |
| Average equity | $24,394,330 | 2,729 |
| Average total loans | $139,740,330 | 2,725 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,458 |
| Cost of funding earning assets | 0.7253% | 2,022 |
| Net interest margin | 3.4371% | 3,976 |
| Noninterest income to average assets | 0.6057% | 3,102 |
| Noninterest expense to average assets | 2.1827% | 5,741 |
| Loan and lease loss provision to assets | 0.2119% | 1,749 |
| Net operating income to assets | 1.3987% | 1,027 |
| Return on assets (ROA) | 1.4004% | 1,111 |
| Pretax return on assets | 1.4181% | 1,805 |
| Return on Equity (ROE) | 12.8156% | 1,210 |
| Retained earnings to average equity (ytd only) | 3.1514% | 4,373 |
| Net charge-offs to loans | -0.0113% | 5,490 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2753% | 5,924 |
| Assets per employee ($millions) | 4.7386% | 2,585 |
| Cash dividends to net income (ytd only)* | 75.4098% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 3,402 |
| Loan loss allowance to noncurrent loans | 280.6410% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 5,268 |
| Noncurrent loans to loans | 0.5700% | 5,014 |
| Net loans and leases to total assets | 60.4654% | 3,349 |
| Net loans and leases to deposits | 70.6576% | 3,367 |
| Net loans and leases to core deposits | 74.2058% | 3,554 |
| Total domestic deposits to total assets | 85.5752% | 3,756 |
| Equity capital to assets | 11.1345% | 2,807 |
| Core capital (leverage) ratio | 9.6993% | 3,793 |
| Tier 1 risk-based capital ratio | 13.9962% | 4,503 |
| Total risk-based capital ratio | 15.2486% | 4,464 |
| Memoranda: | ||
| Average total assets | $226,504,000 | 2,810 |
| Average earning assets | $211,227,500 | 2,760 |
| Average equity | $24,751,000 | 2,727 |
| Average total loans | $141,900,500 | 2,697 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 3,479 |
| Cost of funding earning assets | 0.8868% | 2,015 |
| Net interest margin | 3.5951% | 4,105 |
| Noninterest income to average assets | 0.7156% | 2,636 |
| Noninterest expense to average assets | 2.2740% | 5,758 |
| Loan and lease loss provision to assets | 0.3042% | 2,244 |
| Net operating income to assets | 1.4401% | 1,028 |
| Return on assets (ROA) | 1.4542% | 1,113 |
| Pretax return on assets | 1.4786% | 1,745 |
| Return on Equity (ROE) | 13.5660% | 1,087 |
| Retained earnings to average equity (ytd only) | 7.6301% | 1,267 |
| Net charge-offs to loans | 0.3738% | 2,765 |
| Credit loss provision to net charge-offs | 133.1361% | 2,104 |
| Earnings coverage of net charge-offs (x) | 7.7396% | 2,536 |
| Efficiency ratio | 56.2542% | 6,032 |
| Assets per employee ($millions) | 4.8999% | 2,359 |
| Cash dividends to net income (ytd only)* | 43.7558% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,149 |
| Loan loss allowance to noncurrent loans | 193.1712% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 5,024 |
| Noncurrent loans to loans | 0.7275% | 4,726 |
| Net loans and leases to total assets | 62.9118% | 3,073 |
| Net loans and leases to deposits | 76.0412% | 2,802 |
| Net loans and leases to core deposits | 79.9248% | 3,017 |
| Total domestic deposits to total assets | 82.7338% | 4,833 |
| Equity capital to assets | 10.7272% | 3,245 |
| Core capital (leverage) ratio | 9.7507% | 3,723 |
| Tier 1 risk-based capital ratio | 13.1520% | 5,000 |
| Total risk-based capital ratio | 14.4080% | 4,941 |
| Memoranda: | ||
| Average total assets | $221,904,000 | 2,822 |
| Average earning assets | $205,337,800 | 2,801 |
| Average equity | $23,787,400 | 2,767 |
| Average total loans | $135,625,000 | 2,782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 3,432 |
| Cost of funding earning assets | 0.9252% | 2,012 |
| Net interest margin | 3.6229% | 4,137 |
| Noninterest income to average assets | 0.7388% | 2,533 |
| Noninterest expense to average assets | 2.2771% | 5,751 |
| Loan and lease loss provision to assets | 0.3185% | 2,076 |
| Net operating income to assets | 1.4712% | 1,073 |
| Return on assets (ROA) | 1.4916% | 1,149 |
| Pretax return on assets | 1.5128% | 1,834 |
| Return on Equity (ROE) | 13.9169% | 1,128 |
| Retained earnings to average equity (ytd only) | 6.3557% | 2,454 |
| Net charge-offs to loans | 0.4960% | 2,128 |
| Credit loss provision to net charge-offs | 106.2753% | 2,764 |
| Earnings coverage of net charge-offs (x) | 6.0425% | 2,864 |
| Efficiency ratio | 55.7056% | 6,086 |
| Assets per employee ($millions) | 4.5804% | 2,780 |
| Cash dividends to net income (ytd only)* | 54.3311% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,257 |
| Loan loss allowance to noncurrent loans | 114.6936% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 4,408 |
| Noncurrent loans to loans | 1.2436% | 3,973 |
| Net loans and leases to total assets | 60.6045% | 3,654 |
| Net loans and leases to deposits | 69.7917% | 3,921 |
| Net loans and leases to core deposits | 73.5336% | 4,044 |
| Total domestic deposits to total assets | 86.8362% | 2,775 |
| Equity capital to assets | 11.0839% | 3,175 |
| Core capital (leverage) ratio | 9.2853% | 4,608 |
| Tier 1 risk-based capital ratio | 13.5964% | 4,824 |
| Total risk-based capital ratio | 14.8531% | 4,773 |
| Memoranda: | ||
| Average total assets | $219,806,500 | 2,859 |
| Average earning assets | $203,183,750 | 2,839 |
| Average equity | $23,558,250 | 2,818 |
| Average total loans | $132,794,500 | 2,858 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 3,573 |
| Cost of funding earning assets | 0.9557% | 2,030 |
| Net interest margin | 3.5918% | 4,297 |
| Noninterest income to average assets | 0.8235% | 2,082 |
| Noninterest expense to average assets | 2.2977% | 5,747 |
| Loan and lease loss provision to assets | 0.3412% | 1,930 |
| Net operating income to assets | 1.4734% | 1,043 |
| Return on assets (ROA) | 1.4896% | 1,130 |
| Pretax return on assets | 1.5115% | 1,819 |
| Return on Equity (ROE) | 14.0587% | 1,100 |
| Retained earnings to average equity (ytd only) | 6.2607% | 2,526 |
| Net charge-offs to loans | 0.6879% | 1,613 |
| Credit loss provision to net charge-offs | 82.5991% | 3,254 |
| Earnings coverage of net charge-offs (x) | 4.4449% | 3,080 |
| Efficiency ratio | 55.5800% | 6,166 |
| Assets per employee ($millions) | 4.7984% | 2,441 |
| Cash dividends to net income (ytd only)* | 55.4673% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,598 |
| Loan loss allowance to noncurrent loans | 169.1163% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 5,278 |
| Noncurrent loans to loans | 0.8059% | 4,897 |
| Net loans and leases to total assets | 58.3392% | 4,106 |
| Net loans and leases to deposits | 67.5113% | 4,284 |
| Net loans and leases to core deposits | 71.1963% | 4,391 |
| Total domestic deposits to total assets | 86.4140% | 3,129 |
| Equity capital to assets | 10.5097% | 3,677 |
| Core capital (leverage) ratio | 9.2491% | 4,529 |
| Tier 1 risk-based capital ratio | 13.4764% | 4,847 |
| Total risk-based capital ratio | 14.6941% | 4,827 |
| Memoranda: | ||
| Average total assets | $219,788,670 | 2,870 |
| Average earning assets | $202,572,670 | 2,848 |
| Average equity | $23,288,000 | 2,827 |
| Average total loans | $132,001,670 | 2,892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 3,378 |
| Cost of funding earning assets | 1.0215% | 1,857 |
| Net interest margin | 3.6044% | 4,251 |
| Noninterest income to average assets | 0.5440% | 3,603 |
| Noninterest expense to average assets | 2.2773% | 5,828 |
| Loan and lease loss provision to assets | 0.4149% | 1,521 |
| Net operating income to assets | 1.1433% | 1,904 |
| Return on assets (ROA) | 1.1433% | 2,087 |
| Pretax return on assets | 1.1636% | 3,055 |
| Return on Equity (ROE) | 10.7448% | 2,124 |
| Retained earnings to average equity (ytd only) | 5.7190% | 3,136 |
| Net charge-offs to loans | 1.3647% | 743 |
| Credit loss provision to net charge-offs | 50.2232% | 3,275 |
| Earnings coverage of net charge-offs (x) | 1.9107% | 3,376 |
| Efficiency ratio | 59.0626% | 5,763 |
| Assets per employee ($millions) | 4.7053% | 2,654 |
| Cash dividends to net income (ytd only)* | 46.7742% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 5,030 |
| Loan loss allowance to noncurrent loans | 160.3448% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 4,015 |
| Noncurrent loans to loans | 0.8097% | 5,057 |
| Net loans and leases to total assets | 58.7946% | 3,904 |
| Net loans and leases to deposits | 69.0430% | 3,865 |
| Net loans and leases to core deposits | 73.2260% | 3,987 |
| Total domestic deposits to total assets | 85.1565% | 3,958 |
| Equity capital to assets | 10.7163% | 3,245 |
| Core capital (leverage) ratio | 9.2295% | 4,468 |
| Tier 1 risk-based capital ratio | 13.4499% | 4,858 |
| Total risk-based capital ratio | 14.5915% | 4,933 |
| Memoranda: | ||
| Average total assets | $216,920,000 | 2,924 |
| Average earning assets | $199,310,500 | 2,902 |
| Average equity | $23,081,000 | 2,846 |
| Average total loans | $131,308,500 | 2,920 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 2,820 |
| Cost of funding earning assets | 1.2490% | 1,744 |
| Net interest margin | 3.7639% | 4,011 |
| Noninterest income to average assets | 0.4826% | 3,979 |
| Noninterest expense to average assets | 2.3587% | 5,884 |
| Loan and lease loss provision to assets | 0.2853% | 3,380 |
| Net operating income to assets | 1.2953% | 1,260 |
| Return on assets (ROA) | 1.3170% | 1,300 |
| Pretax return on assets | 1.3336% | 2,005 |
| Return on Equity (ROE) | 12.8446% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.0778% | 1,052 |
| Net charge-offs to loans | 0.2945% | 3,936 |
| Credit loss provision to net charge-offs | 148.5149% | 1,914 |
| Earnings coverage of net charge-offs (x) | 8.3144% | 2,166 |
| Efficiency ratio | 59.6274% | 5,816 |
| Assets per employee ($millions) | 4.5291% | 2,863 |
| Cash dividends to net income (ytd only)* | 37.1119% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 4,375 |
| Loan loss allowance to noncurrent loans | 170.5935% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.2880% | 4,067 |
| Noncurrent loans to loans | 0.8318% | 5,023 |
| Net loans and leases to total assets | 60.6214% | 3,867 |
| Net loans and leases to deposits | 70.4858% | 4,023 |
| Net loans and leases to core deposits | 74.5036% | 4,175 |
| Total domestic deposits to total assets | 86.0052% | 3,322 |
| Equity capital to assets | 10.5646% | 3,457 |
| Core capital (leverage) ratio | 9.1376% | 4,564 |
| Tier 1 risk-based capital ratio | 12.8554% | 5,192 |
| Total risk-based capital ratio | 14.1117% | 5,163 |
| Memoranda: | ||
| Average total assets | $210,327,800 | 2,939 |
| Average earning assets | $194,080,400 | 2,923 |
| Average equity | $21,565,400 | 2,938 |
| Average total loans | $137,187,800 | 2,851 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 2,720 |
| Cost of funding earning assets | 1.2875% | 1,774 |
| Net interest margin | 3.7906% | 3,920 |
| Noninterest income to average assets | 0.4603% | 4,216 |
| Noninterest expense to average assets | 2.3705% | 5,849 |
| Loan and lease loss provision to assets | 0.2877% | 3,214 |
| Net operating income to assets | 1.2921% | 1,400 |
| Return on assets (ROA) | 1.2997% | 1,467 |
| Pretax return on assets | 1.3163% | 2,237 |
| Return on Equity (ROE) | 12.7768% | 1,337 |
| Retained earnings to average equity (ytd only) | 6.7875% | 2,089 |
| Net charge-offs to loans | 0.1864% | 4,309 |
| Credit loss provision to net charge-offs | 233.1606% | 1,218 |
| Earnings coverage of net charge-offs (x) | 12.9377% | 1,661 |
| Efficiency ratio | 59.7583% | 5,763 |
| Assets per employee ($millions) | 4.4764% | 2,955 |
| Cash dividends to net income (ytd only)* | 46.8763% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 4,335 |
| Loan loss allowance to noncurrent loans | 74.9521% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 4,050 |
| Noncurrent loans to loans | 1.9345% | 3,455 |
| Net loans and leases to total assets | 63.2207% | 3,472 |
| Net loans and leases to deposits | 73.0788% | 3,793 |
| Net loans and leases to core deposits | 77.4066% | 3,988 |
| Total domestic deposits to total assets | 86.5103% | 2,925 |
| Equity capital to assets | 10.6569% | 3,507 |
| Core capital (leverage) ratio | 8.8196% | 5,231 |
| Tier 1 risk-based capital ratio | 12.4959% | 5,486 |
| Total risk-based capital ratio | 13.7528% | 5,481 |
| Memoranda: | ||
| Average total assets | $208,561,000 | 2,976 |
| Average earning assets | $192,930,500 | 2,944 |
| Average equity | $21,215,000 | 2,981 |
| Average total loans | $138,063,500 | 2,855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 2,716 |
| Cost of funding earning assets | 1.3222% | 1,809 |
| Net interest margin | 3.7710% | 3,934 |
| Noninterest income to average assets | 0.4184% | 4,529 |
| Noninterest expense to average assets | 2.3813% | 5,903 |
| Loan and lease loss provision to assets | 0.2885% | 3,079 |
| Net operating income to assets | 1.2196% | 1,512 |
| Return on assets (ROA) | 1.2234% | 1,581 |
| Pretax return on assets | 1.2388% | 2,350 |
| Return on Equity (ROE) | 12.2231% | 1,429 |
| Retained earnings to average equity (ytd only) | 5.8617% | 2,510 |
| Net charge-offs to loans | 0.2718% | 3,525 |
| Credit loss provision to net charge-offs | 158.7302% | 1,916 |
| Earnings coverage of net charge-offs (x) | 8.3810% | 2,071 |
| Efficiency ratio | 60.9852% | 5,732 |
| Assets per employee ($millions) | 4.2782% | 3,200 |
| Cash dividends to net income (ytd only)* | 52.0440% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 4,901 |
| Loan loss allowance to noncurrent loans | 90.3741% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2683% | 4,362 |
| Noncurrent loans to loans | 1.4763% | 4,211 |
| Net loans and leases to total assets | 62.6429% | 3,755 |
| Net loans and leases to deposits | 72.4442% | 4,047 |
| Net loans and leases to core deposits | 76.7697% | 4,215 |
| Total domestic deposits to total assets | 86.4705% | 3,056 |
| Equity capital to assets | 10.0584% | 4,068 |
| Core capital (leverage) ratio | 8.8080% | 5,033 |
| Tier 1 risk-based capital ratio | 11.8940% | 5,866 |
| Total risk-based capital ratio | 13.0744% | 5,905 |
| Memoranda: | ||
| Average total assets | $207,951,330 | 2,997 |
| Average earning assets | $192,254,330 | 2,966 |
| Average equity | $20,813,000 | 3,024 |
| Average total loans | $139,095,670 | 2,863 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 2,679 |
| Cost of funding earning assets | 1.3659% | 1,800 |
| Net interest margin | 3.7254% | 3,970 |
| Noninterest income to average assets | 0.4137% | 4,595 |
| Noninterest expense to average assets | 2.4764% | 5,637 |
| Loan and lease loss provision to assets | 0.2927% | 2,815 |
| Net operating income to assets | 1.0694% | 1,948 |
| Return on assets (ROA) | 1.0694% | 1,999 |
| Pretax return on assets | 1.0831% | 2,820 |
| Return on Equity (ROE) | 10.7128% | 1,829 |
| Retained earnings to average equity (ytd only) | 7.1158% | 2,097 |
| Net charge-offs to loans | 0.3439% | 2,685 |
| Credit loss provision to net charge-offs | 123.9669% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.8264% | 2,204 |
| Efficiency ratio | 64.2857% | 5,317 |
| Assets per employee ($millions) | 4.1289% | 3,583 |
| Cash dividends to net income (ytd only)* | 33.5766% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,387 |
| Loan loss allowance to noncurrent loans | 61.9184% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 3,911 |
| Noncurrent loans to loans | 2.0196% | 3,546 |
| Net loans and leases to total assets | 66.1739% | 2,963 |
| Net loans and leases to deposits | 76.5310% | 3,330 |
| Net loans and leases to core deposits | 81.3900% | 3,543 |
| Total domestic deposits to total assets | 86.4667% | 3,257 |
| Equity capital to assets | 10.0539% | 3,705 |
| Core capital (leverage) ratio | 8.8272% | 4,885 |
| Tier 1 risk-based capital ratio | 11.5633% | 6,055 |
| Total risk-based capital ratio | 12.6739% | 6,145 |
| Memoranda: | ||
| Average total assets | $204,971,500 | 3,051 |
| Average earning assets | $189,186,000 | 3,025 |
| Average equity | $20,461,500 | 3,058 |
| Average total loans | $140,737,500 | 2,870 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 2,614 |
| Cost of funding earning assets | 1.6614% | 1,775 |
| Net interest margin | 3.7511% | 4,149 |
| Noninterest income to average assets | 0.5204% | 4,023 |
| Noninterest expense to average assets | 2.3907% | 6,111 |
| Loan and lease loss provision to assets | 0.4073% | 3,668 |
| Net operating income to assets | 1.1536% | 1,534 |
| Return on assets (ROA) | 1.1740% | 1,553 |
| Pretax return on assets | 1.1906% | 2,252 |
| Return on Equity (ROE) | 11.7121% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.4404% | 1,588 |
| Net charge-offs to loans | 0.4604% | 3,778 |
| Credit loss provision to net charge-offs | 124.0429% | 3,331 |
| Earnings coverage of net charge-offs (x) | 4.8040% | 2,798 |
| Efficiency ratio | 60.2509% | 6,007 |
| Assets per employee ($millions) | 3.7684% | 4,327 |
| Cash dividends to net income (ytd only)* | 45.0107% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,574 |
| Loan loss allowance to noncurrent loans | 63.3992% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 3,878 |
| Noncurrent loans to loans | 1.8745% | 3,720 |
| Net loans and leases to total assets | 69.5001% | 2,661 |
| Net loans and leases to deposits | 79.7877% | 3,212 |
| Net loans and leases to core deposits | 85.1537% | 3,447 |
| Total domestic deposits to total assets | 87.1064% | 2,761 |
| Equity capital to assets | 9.9103% | 3,869 |
| Core capital (leverage) ratio | 8.6960% | 5,028 |
| Tier 1 risk-based capital ratio | 11.2093% | 6,171 |
| Total risk-based capital ratio | 12.2896% | 6,270 |
| Memoranda: | ||
| Average total assets | $198,893,600 | 3,116 |
| Average earning assets | $182,801,800 | 3,095 |
| Average equity | $19,936,600 | 3,154 |
| Average total loans | $141,844,800 | 2,910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4398% | 2,693 |
| Cost of funding earning assets | 1.7214% | 1,763 |
| Net interest margin | 3.7185% | 4,314 |
| Noninterest income to average assets | 0.5097% | 4,100 |
| Noninterest expense to average assets | 2.3457% | 6,186 |
| Loan and lease loss provision to assets | 0.3574% | 3,758 |
| Net operating income to assets | 1.2099% | 1,570 |
| Return on assets (ROA) | 1.2373% | 1,575 |
| Pretax return on assets | 1.2528% | 2,324 |
| Return on Equity (ROE) | 12.3075% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.2919% | 2,782 |
| Net charge-offs to loans | 0.3071% | 4,125 |
| Credit loss provision to net charge-offs | 162.5767% | 2,317 |
| Earnings coverage of net charge-offs (x) | 7.1993% | 2,371 |
| Efficiency ratio | 59.7151% | 5,997 |
| Assets per employee ($millions) | 3.5888% | 4,761 |
| Cash dividends to net income (ytd only)* | 57.0025% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 5,450 |
| Loan loss allowance to noncurrent loans | 44.4756% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 1.9710% | 3,509 |
| Noncurrent loans to loans | 2.7190% | 2,920 |
| Net loans and leases to total assets | 69.7659% | 2,791 |
| Net loans and leases to deposits | 81.2095% | 3,236 |
| Net loans and leases to core deposits | 87.2726% | 3,479 |
| Total domestic deposits to total assets | 85.9086% | 3,123 |
| Equity capital to assets | 9.9460% | 4,223 |
| Core capital (leverage) ratio | 8.4884% | 5,534 |
| Tier 1 risk-based capital ratio | 10.7759% | 6,564 |
| Total risk-based capital ratio | 11.8734% | 6,680 |
| Memoranda: | ||
| Average total assets | $197,743,000 | 3,173 |
| Average earning assets | $181,790,500 | 3,150 |
| Average equity | $19,879,000 | 3,200 |
| Average total loans | $141,523,250 | 2,951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 2,729 |
| Cost of funding earning assets | 1.7858% | 1,701 |
| Net interest margin | 3.6696% | 4,506 |
| Noninterest income to average assets | 0.4737% | 4,329 |
| Noninterest expense to average assets | 2.3482% | 6,226 |
| Loan and lease loss provision to assets | 0.3070% | 3,930 |
| Net operating income to assets | 1.1760% | 1,623 |
| Return on assets (ROA) | 1.2166% | 1,584 |
| Pretax return on assets | 1.2319% | 2,315 |
| Return on Equity (ROE) | 12.0568% | 1,438 |
| Retained earnings to average equity (ytd only) | 4.5327% | 3,188 |
| Net charge-offs to loans | 0.3671% | 3,522 |
| Credit loss provision to net charge-offs | 116.2791% | 3,491 |
| Earnings coverage of net charge-offs (x) | 5.6744% | 2,618 |
| Efficiency ratio | 61.0535% | 5,845 |
| Assets per employee ($millions) | 3.9793% | 3,811 |
| Cash dividends to net income (ytd only)* | 62.4054% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,942 |
| Loan loss allowance to noncurrent loans | 64.0404% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 4,558 |
| Noncurrent loans to loans | 1.7157% | 4,113 |
| Net loans and leases to total assets | 71.7053% | 2,485 |
| Net loans and leases to deposits | 83.4881% | 2,977 |
| Net loans and leases to core deposits | 89.8882% | 3,286 |
| Total domestic deposits to total assets | 85.8868% | 3,158 |
| Equity capital to assets | 10.0592% | 3,937 |
| Core capital (leverage) ratio | 8.5383% | 5,347 |
| Tier 1 risk-based capital ratio | 10.5512% | 6,650 |
| Total risk-based capital ratio | 11.5459% | 6,821 |
| Memoranda: | ||
| Average total assets | $195,469,330 | 3,228 |
| Average earning assets | $179,637,000 | 3,197 |
| Average equity | $19,723,330 | 3,211 |
| Average total loans | $140,543,330 | 3,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 2,766 |
| Cost of funding earning assets | 1.8316% | 1,743 |
| Net interest margin | 3.6317% | 4,570 |
| Noninterest income to average assets | 0.4274% | 4,682 |
| Noninterest expense to average assets | 2.3559% | 6,223 |
| Loan and lease loss provision to assets | 0.3097% | 3,559 |
| Net operating income to assets | 1.0762% | 1,908 |
| Return on assets (ROA) | 1.1171% | 1,858 |
| Pretax return on assets | 1.1315% | 2,621 |
| Return on Equity (ROE) | 11.0532% | 1,774 |
| Retained earnings to average equity (ytd only) | 4.1067% | 3,688 |
| Net charge-offs to loans | 0.4903% | 2,592 |
| Credit loss provision to net charge-offs | 88.2353% | 3,698 |
| Earnings coverage of net charge-offs (x) | 3.9882% | 2,732 |
| Efficiency ratio | 62.7268% | 5,701 |
| Assets per employee ($millions) | 4.1283% | 3,603 |
| Cash dividends to net income (ytd only)* | 62.8466% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 6,078 |
| Loan loss allowance to noncurrent loans | 47.8493% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 3,938 |
| Noncurrent loans to loans | 2.2682% | 3,435 |
| Net loans and leases to total assets | 71.5845% | 2,553 |
| Net loans and leases to deposits | 83.6817% | 2,994 |
| Net loans and leases to core deposits | 90.6613% | 3,274 |
| Total domestic deposits to total assets | 85.5438% | 3,390 |
| Equity capital to assets | 10.1290% | 3,703 |
| Core capital (leverage) ratio | 8.7016% | 5,021 |
| Tier 1 risk-based capital ratio | 10.5374% | 6,602 |
| Total risk-based capital ratio | 11.5068% | 6,837 |
| Memoranda: | ||
| Average total assets | $193,722,500 | 3,308 |
| Average earning assets | $177,547,000 | 3,289 |
| Average equity | $19,578,000 | 3,253 |
| Average total loans | $138,689,000 | 3,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 3,763 |
| Cost of funding earning assets | 2.2046% | 2,010 |
| Net interest margin | 3.3637% | 5,515 |
| Noninterest income to average assets | 0.4973% | 4,438 |
| Noninterest expense to average assets | 2.4149% | 6,421 |
| Loan and lease loss provision to assets | 0.5465% | 3,636 |
| Net operating income to assets | 0.6059% | 3,305 |
| Return on assets (ROA) | 0.6455% | 3,212 |
| Pretax return on assets | 0.6536% | 3,729 |
| Return on Equity (ROE) | 6.3435% | 3,057 |
| Retained earnings to average equity (ytd only) | 4.5569% | 2,065 |
| Net charge-offs to loans | 0.6966% | 3,097 |
| Credit loss provision to net charge-offs | 114.1243% | 4,803 |
| Earnings coverage of net charge-offs (x) | 2.4226% | 3,916 |
| Efficiency ratio | 67.5496% | 5,088 |
| Assets per employee ($millions) | 4.1153% | 3,586 |
| Cash dividends to net income (ytd only)* | 28.1643% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 5,767 |
| Loan loss allowance to noncurrent loans | 57.7038% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 4,257 |
| Noncurrent loans to loans | 1.9524% | 3,729 |
| Net loans and leases to total assets | 70.0130% | 3,253 |
| Net loans and leases to deposits | 81.2798% | 3,742 |
| Net loans and leases to core deposits | 101.0213% | 3,899 |
| Total domestic deposits to total assets | 86.1382% | 2,939 |
| Equity capital to assets | 10.0834% | 3,643 |
| Core capital (leverage) ratio | 8.8054% | 4,763 |
| Tier 1 risk-based capital ratio | 10.7114% | 6,193 |
| Total risk-based capital ratio | 11.7214% | 6,397 |
| Memoranda: | ||
| Average total assets | $184,810,200 | 3,354 |
| Average earning assets | $169,100,800 | 3,367 |
| Average equity | $18,806,600 | 3,373 |
| Average total loans | $127,041,800 | 3,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6459% | 3,597 |
| Cost of funding earning assets | 2.2706% | 2,106 |
| Net interest margin | 3.3753% | 5,363 |
| Noninterest income to average assets | 0.5197% | 4,322 |
| Noninterest expense to average assets | 2.4694% | 6,177 |
| Loan and lease loss provision to assets | 0.5438% | 3,215 |
| Net operating income to assets | 0.5940% | 3,622 |
| Return on assets (ROA) | 0.6445% | 3,494 |
| Pretax return on assets | 0.6511% | 4,017 |
| Return on Equity (ROE) | 6.3185% | 3,387 |
| Retained earnings to average equity (ytd only) | 3.9142% | 3,097 |
| Net charge-offs to loans | 0.7825% | 2,407 |
| Credit loss provision to net charge-offs | 101.9152% | 4,995 |
| Earnings coverage of net charge-offs (x) | 2.1436% | 4,218 |
| Efficiency ratio | 68.3434% | 4,900 |
| Assets per employee ($millions) | 3.9021% | 3,933 |
| Cash dividends to net income (ytd only)* | 38.0523% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,692 |
| Loan loss allowance to noncurrent loans | 45.5037% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7395% | 3,755 |
| Noncurrent loans to loans | 2.4285% | 3,102 |
| Net loans and leases to total assets | 67.0249% | 4,181 |
| Net loans and leases to deposits | 77.4800% | 4,824 |
| Net loans and leases to core deposits | 96.6748% | 4,739 |
| Total domestic deposits to total assets | 86.5061% | 2,423 |
| Equity capital to assets | 10.0426% | 4,036 |
| Core capital (leverage) ratio | 8.6896% | 5,147 |
| Tier 1 risk-based capital ratio | 10.8574% | 6,100 |
| Total risk-based capital ratio | 11.8258% | 6,349 |
| Memoranda: | ||
| Average total assets | $182,658,500 | 3,422 |
| Average earning assets | $167,408,250 | 3,415 |
| Average equity | $18,632,500 | 3,428 |
| Average total loans | $124,562,250 | 3,416 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6993% | 3,539 |
| Cost of funding earning assets | 2.3274% | 2,249 |
| Net interest margin | 3.3720% | 5,279 |
| Noninterest income to average assets | 0.5962% | 3,725 |
| Noninterest expense to average assets | 2.4782% | 6,188 |
| Loan and lease loss provision to assets | 0.7174% | 2,282 |
| Net operating income to assets | 0.4841% | 4,148 |
| Return on assets (ROA) | 0.5050% | 4,194 |
| Pretax return on assets | 0.5094% | 4,590 |
| Return on Equity (ROE) | 4.9234% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.9063% | 3,710 |
| Net charge-offs to loans | 1.1686% | 1,565 |
| Credit loss provision to net charge-offs | 89.8329% | 4,933 |
| Earnings coverage of net charge-offs (x) | 1.5097% | 4,403 |
| Efficiency ratio | 67.2705% | 5,300 |
| Assets per employee ($millions) | 3.9577% | 3,759 |
| Cash dividends to net income (ytd only)* | 40.9692% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,868 |
| Loan loss allowance to noncurrent loans | 45.9515% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,446 |
| Noncurrent loans to loans | 2.2984% | 3,140 |
| Net loans and leases to total assets | 69.2128% | 3,900 |
| Net loans and leases to deposits | 81.8102% | 4,256 |
| Net loans and leases to core deposits | 103.4482% | 4,130 |
| Total domestic deposits to total assets | 84.6017% | 3,442 |
| Equity capital to assets | 10.1751% | 3,748 |
| Core capital (leverage) ratio | 8.7971% | 4,949 |
| Tier 1 risk-based capital ratio | 10.6360% | 6,249 |
| Total risk-based capital ratio | 11.5427% | 6,538 |
| Memoranda: | ||
| Average total assets | $179,809,670 | 3,485 |
| Average earning assets | $164,650,670 | 3,481 |
| Average equity | $18,442,670 | 3,477 |
| Average total loans | $122,887,330 | 3,477 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 3,747 |
| Cost of funding earning assets | 2.3690% | 2,421 |
| Net interest margin | 3.3416% | 5,360 |
| Noninterest income to average assets | 0.4880% | 4,425 |
| Noninterest expense to average assets | 2.5139% | 5,788 |
| Loan and lease loss provision to assets | 1.0969% | 1,195 |
| Net operating income to assets | -0.0739% | 6,367 |
| Return on assets (ROA) | -0.0492% | 6,459 |
| Pretax return on assets | -0.0448% | 6,425 |
| Return on Equity (ROE) | -0.4782% | 6,464 |
| Retained earnings to average equity (ytd only) | -1.6520% | 6,030 |
| Net charge-offs to loans | 1.7869% | 812 |
| Credit loss provision to net charge-offs | 90.9091% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.8516% | 4,342 |
| Efficiency ratio | 70.9861% | 4,375 |
| Assets per employee ($millions) | 3.7510% | 4,227 |
| Cash dividends to net income (ytd only)* | -245.4545% | 8,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,426 |
| Loan loss allowance to noncurrent loans | 39.2039% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 2,660 |
| Noncurrent loans to loans | 2.8205% | 2,322 |
| Net loans and leases to total assets | 68.0037% | 4,138 |
| Net loans and leases to deposits | 79.4016% | 4,702 |
| Net loans and leases to core deposits | 100.4925% | 4,494 |
| Total domestic deposits to total assets | 85.6453% | 2,902 |
| Equity capital to assets | 10.2329% | 3,727 |
| Core capital (leverage) ratio | 8.8876% | 4,874 |
| Tier 1 risk-based capital ratio | 10.6284% | 6,262 |
| Total risk-based capital ratio | 11.5712% | 6,495 |
| Memoranda: | ||
| Average total assets | $178,688,000 | 3,529 |
| Average earning assets | $163,273,000 | 3,522 |
| Average equity | $18,402,000 | 3,498 |
| Average total loans | $120,656,500 | 3,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2288% | 4,364 |
| Cost of funding earning assets | 2.7616% | 2,871 |
| Net interest margin | 3.4672% | 5,414 |
| Noninterest income to average assets | 0.5062% | 4,572 |
| Noninterest expense to average assets | 2.2406% | 6,865 |
| Loan and lease loss provision to assets | 0.3164% | 3,852 |
| Net operating income to assets | 1.1276% | 2,041 |
| Return on assets (ROA) | 1.2152% | 1,676 |
| Pretax return on assets | 1.2305% | 2,550 |
| Return on Equity (ROE) | 12.0429% | 1,578 |
| Retained earnings to average equity (ytd only) | 7.6705% | 937 |
| Net charge-offs to loans | 0.4093% | 2,774 |
| Credit loss provision to net charge-offs | 117.1367% | 4,601 |
| Earnings coverage of net charge-offs (x) | 5.3991% | 3,659 |
| Efficiency ratio | 60.5734% | 6,248 |
| Assets per employee ($millions) | 3.6944% | 4,188 |
| Cash dividends to net income (ytd only)* | 36.3067% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 4,477 |
| Loan loss allowance to noncurrent loans | 37.4044% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 2.3363% | 2,078 |
| Noncurrent loans to loans | 3.2262% | 1,624 |
| Net loans and leases to total assets | 65.4644% | 4,956 |
| Net loans and leases to deposits | 76.6642% | 5,510 |
| Net loans and leases to core deposits | 96.6031% | 5,192 |
| Total domestic deposits to total assets | 85.3911% | 2,672 |
| Equity capital to assets | 10.3649% | 3,652 |
| Core capital (leverage) ratio | 9.4752% | 4,044 |
| Tier 1 risk-based capital ratio | 11.2584% | 5,481 |
| Total risk-based capital ratio | 12.2878% | 5,586 |
| Memoranda: | ||
| Average total assets | $170,668,200 | 3,544 |
| Average earning assets | $157,157,000 | 3,526 |
| Average equity | $17,221,800 | 3,695 |
| Average total loans | $112,634,400 | 3,624 |